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| Akron | | Everyone has different needs, and | | Earned Income: The money |
| Baton Rouge | | not one size fits all when it comes to | | individuals earn as a result of working |
| Las Vegas | | term life insurance. While it may make | | at some job or occupation for which |
| Fullerton | | sense for people in their 30s and 40s | | they are paid a salary. |
| Warwick | | to secure a 20-year term length, a | | |
| Canton | | 10-year term might be more | | Stock Option Plan: Surviving |
| Norwalk | | appropriate for someone nearing | | stockholders have the option to |
| Decatur | | retirement. | | purchase or not purchase the shares |
| Hemet | | | | of a deceased stockholder. |
| Kansas City | | While some companies raise their | | |
| Portsmouth | | prices based on your actual age, | | Retrospective Premium: The final |
| Muncie | | most companies increase the price of | | premium in a retrospective rating |
| San Jose | | their policies six months before your | | plan. See Retrospective Rating. |
| Vero Beach | | birthday. Its a term called Age | | |
| White Plains | | Nearest in the industry, and that | | Indemnity: Restoration to the victim of |
| Malden | | half-year price increase could really | | a loss by payment, repair, or |
| Dallas | | add up over a 20-year term policy. As | | replacement. |
| Irvine | | above, the quicker you purchase your | | |
| Rockford | | policy the better. | | Business: In Property, Liability, and |
| Trenton | | | | Health lines, it usually refers to the |
| Edmond | | We offer quotes for auto insurance, | | volume of premiums. |
| Manchester | | life insurance, homeowners | | |
| Des Moines | | insurance, health insurance, term life | | Losses Incurred: The total losses, |
| Torrance | | insurance and more. | | whether paid or not, sustained by an |
| San Bernardino | | | | insurer during a given period, e.g., 12 |
| Austin | | At InsWeb, you can compare free | | months. |
| Decatur | | online insurance quotes from many of | | |
| Santa Monica | | the nations leading insurance | | Sherman Antitrust Act: An antitrust law |
| Woodbridge | | companies. | | from which insurance is exempted to |
| Bellevue | | | | the extent that it is regulated by state |
| Zanesville | | Why not take advantage of current | | law. |
| Santa Ana | | low prices? Many auto insurance | | |
| Springfield | | consumers are becoming educated | | Gain and Loss Exhibit: The portion of |
| Denton | | on other companies, plans, and rates | | the convention blank which |
| Denton | | that are available to them; ones that | | represents an analysis of gains, |
| Lawton | | could afford them significant savings | | losses, and surplus during an |
| Slidell | | on their auto insurance. | | accounting period. |
