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| Little Rock | | We offer quotes for auto insurance, | | Operating Expense: The expense of |
| Odessa | | life insurance, homeowners | | an insurer other than commissions |
| Mesquite | | insurance, health insurance, term life | | and taxes. Called " and Insurance |
| Baltimore | | insurance and more. | | Expense" in the convention statement |
| Greensboro | | | | blank. |
| Florence | | At InsWeb, you can compare free | | |
| Frederick | | online insurance quotes from many of | | Initial Premium: An amount paid at the |
| Trenton | | the nations leading insurance | | inception of an insurance contract, |
| Williamsport | | companies. | | usually subject to adjustment at the |
| Westbury | | | | end of the policy period. |
| Flushing | | Why not take advantage of current | | |
| San Jose | | low prices? Many auto insurance | | Buy-Back" Deductible: A deductible |
| Carlsbad | | consumers are becoming educated | | which may be eliminated for an |
| Naperville | | on other companies, plans, and rates | | additional premium in order to |
| Montgomery | | that are available to them; ones that | | provide "first-dollar" coverage. |
| Hemet | | could afford them significant savings | | |
| Naples | | on their auto insurance. | | Earned Income: The money |
| Las Vegas | | | | individuals earn as a result of working |
| Aurora | | The quickest and easiest way to | | at some job or occupation for which |
| Colorado Springs | | shop for new insurance is by | | they are paid a salary. |
| New Orleans | | comparing rates at InsWebs online | | |
| Atlanta | | marketplace. If you do it the | | Expense Allowance: A compensation |
| Minneapolis | | old-fashioned way (by calling or | | paid to an insurance agent in excess |
| Jonesboro | | visiting multiple agents or insurance | | of prescribed commissions. |
| Durham | | companies) it could take up a huge | | |
| Coral Springs | | chunk of your time, which no one | | Inspection: Independent checking on |
| Acworth | | wants or needs. By completing | | facts about an applicant, |
| Baton Rouge | | InsWebs online application, you will | | policyholder, or claimant, usually by a |
| Harrisburg | | have rates to compare to your old | | commercial inspection agency. |
| Santa Barbara | | ones within minutes! | | |
| Amarillo | | | | Nonassignable: A policy that the |
| Salt Lake City | | Individuals who have 30-year | | owner cannot assign to a third party. |
| Clearwater | | mortgages might want to consider a | | Most policies are nonassignable |
| Reno | | 30-year term to ensure that the house | | unless approval is given by the |
| Alameda | | is protected throughout the period of | | insurer. |
| Independence | | the loan. | | |