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| Santa Ana | | While some companies raise their | | Net Retention: The amount of |
| Albany | | prices based on your actual age, | | insurance that a ceding company |
| Poughkeepsie | | most companies increase the price of | | keeps for its own account and does |
| Mansfield | | their policies six months before your | | not reinsure. |
| Spokane | | birthday. Its a term called Age | | |
| Orange | | Nearest in the industry, and that | | Agency Company: An insurance |
| Ann Arbor | | half-year price increase could really | | company that produces business |
| Williamsport | | add up over a 20-year term policy. As | | through an agency network. Contrast |
| Tucson | | above, the quicker you purchase your | | with Direct Writer. |
| Manchester | | policy the better. | | |
| Henderson | | | | Divided Cover: The placing of |
| Slidell | | At InsWeb, you can compare free | | insurance on a given subject or |
| Albuquerque | | online insurance quotes from many of | | object with more than one insurer. |
| Schenectady | | the nations leading insurance | | |
| Reading | | companies. | | Policywriting Agent: An agent who has |
| Irving | | | | the authority to prepare and effect an |
| Schaumburg | | Everyone has different needs, and | | insurer's policy. |
| Rome | | not one size fits all when it comes to | | |
| Naperville | | term life insurance. While it may make | | Cut Rate: This term generally applies |
| Springfield | | sense for people in their 30s and 40s | | to insurance companies who charge |
| Winter Haven | | to secure a 20-year term length, a | | premiums below a normal or average |
| Modesto | | 10-year term might be more | | rate. |
| Burbank | | appropriate for someone nearing | | |
| San Antonio | | retirement. | | We/Us/Our: These words are used to |
| Cypress | | | | refer to the insurer in many of the |
| Portland | | The quickest and easiest way to | | modernized/personalized policy |
| Fall River | | shop for new insurance is by | | forms recently introduced. |
| Bethlehem | | comparing rates at InsWebs online | | |
| Rockville | | marketplace. If you do it the | | Lapsed Policy: One which has been |
| Vineland | | old-fashioned way (by calling or | | allowed to expire because of |
| Newark | | visiting multiple agents or insurance | | nonpayment of premiums. |
| Alpharetta | | companies) it could take up a huge | | |
| Lincoln | | chunk of your time, which no one | | Earned Income: The money |
| Livonia | | wants or needs. By completing | | individuals earn as a result of working |
| Columbus | | InsWebs online application, you will | | at some job or occupation for which |
| Tuscaloosa | | have rates to compare to your old | | they are paid a salary. |
| New Orleans | | ones within minutes! | | |
