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| San Jose | | The quickest and easiest way to | | Commission of Authority: A document |
| Frederick | | shop for new insurance is by | | outlining the powers delegated to an |
| St. Joseph | | comparing rates at InsWebs online | | agent by an insurer. |
| Longwood | | marketplace. If you do it the | | |
| Fayetteville | | old-fashioned way (by calling or | | Loss Adjustment Expense: The cost |
| Santa Monica | | visiting multiple agents or insurance | | of adjusting losses, excluding the |
| Santa Ana | | companies) it could take up a huge | | amount of the loss itself. |
| Albuquerque | | chunk of your time, which no one | | |
| Irving | | wants or needs. By completing | | Society of Insurance Research: An |
| Flushing | | InsWebs online application, you will | | organization which encourages |
| Westbury | | have rates to compare to your old | | insurance research and promotes the |
| Lubbock | | ones within minutes! | | exchange of ideas and methods of |
| Virginia Beach | | | | research. |
| Olympia | | Life insurance, specifically Term Life, | | |
| Wilmington | | is arguably one of the best values in | | Gross Premium: The net premium |
| Salem | | the entire financial services arena. | | plus operating expenses, |
| Huntsville | | Where else can you go and get | | commissions and other expenses. |
| Bloomington | | hundreds of thousands of dollars in | | |
| Wilmington | | protection for literally pennies per | | Notice To Company: Written notice to |
| Aurora | | day? Rates for Term Life insurance | | an insurer of the occurrence of an |
| Kansas City | | remain at all-time lows, and now is the | | event which a claim is to be based. |
| Roanoke | | time to lock in the best prices. | | |
| Saginaw | | | | Retrospective Premium: The final |
| Reading | | Shopping around is the best way to | | premium in a retrospective rating |
| Ann Arbor | | save money on your insurance. | | plan. See Retrospective Rating. |
