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| Troy | | Individuals who have 30-year | | Valuation Clause: A clause stating the |
| Charleston | | mortgages might want to consider a | | value of items for insurance |
| Allentown | | 30-year term to ensure that the house | | purposes, making it a valued policy. |
| Birmingham | | is protected throughout the period of | | |
| Portland | | the loan. | | Mutualization: The process of |
| Rome | | | | converting a stock insurer to a mutual |
| Lansing | | If you have noticed that your auto | | insurer, accomplished by having the |
| Duluth | | insurance rates are still increasing | | insurer buy stock and retire it. |
| Monroe | | with each renewal, or even have not | | |
| Palo Alto | | gone down even though you have a | | Expense Allowance: A compensation |
| Odessa | | great driving record, this lower pricing | | paid to an insurance agent in excess |
| Glendale | | trend makes it more important then | | of prescribed commissions. |
| Knoxville | | ever that you shop around for auto | | |
| West Palm Beach | | insurance. | | Malinger: To feign a disability for the |
| Portland | | | | purpose of continuing to collect |
| Santa Clara | | At InsWeb, you can compare free | | benefits longer than actually |
| Reno | | online insurance quotes from many of | | necessary. |
| Fort Collins | | the nations leading insurance | | |
| San Jose | | companies. | | Partnership Entity: The partnership |
| Syracuse | | | | considered as an entity and not in |
| Killeen | | The quickest and easiest way to | | terms of its individual part-owners. |
| Tempe | | shop for new insurance is by | | |
| Springfield | | comparing rates at InsWebs online | | Underwriters Laboratories, Inc. (UL): A |
| Shreveport | | marketplace. If you do it the | | testing laboratory for manufactured |
| Myrtle Beach | | old-fashioned way (by calling or | | items to determine their safety |
| Kansas City | | visiting multiple agents or insurance | | propensities. |
| Jacksonville | | companies) it could take up a huge | | |
| Las Vegas | | chunk of your time, which no one | | Losses Incurred: The total losses, |
| Sioux City | | wants or needs. By completing | | whether paid or not, sustained by an |
| Huntington | | InsWebs online application, you will | | insurer during a given period, e.g., 12 |
| Warwick | | have rates to compare to your old | | months. |
| Syracuse | | ones within minutes! | | |
| Naples | | | | Policy Anniversary: The anniversary |
| Odessa | | We offer quotes for auto insurance, | | of the date of issue of a policy as |
| Orange Park | | life insurance, homeowners | | shown in the policy declarations. |
| Chandler | | insurance, health insurance, term life | | |
| Sarasota | | insurance and more. | | |
