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| Fayetteville | | Why not take advantage of current | | Submitted Business: Applications for |
| Chesapeake | | low prices? Many auto insurance | | insurance submitted to an insurer but |
| Downey | | consumers are becoming educated | | not yet acted upon by it. |
| Naperville | | on other companies, plans, and rates | | |
| Rockford | | that are available to them; ones that | | Mutualization: The process of |
| Newburgh | | could afford them significant savings | | converting a stock insurer to a mutual |
| Duluth | | on their auto insurance. | | insurer, accomplished by having the |
| Sumter | | | | insurer buy stock and retire it. |
| Salt Lake City | | We offer quotes for auto insurance, | | |
| Hendersonville | | life insurance, homeowners | | Premium Notice: A form notice from |
| Jackson | | insurance, health insurance, term life | | an insurer or agency to a policy |
| Yuma | | insurance and more. | | owner that a premium will be due on a |
| Topeka | | | | given date. |
| Muskegon | | Healthy people have the best | | |
| Schaumburg | | mortality risks and thus are much | | Foreign Insurer: An insurer domiciled |
| Seattle | | cheaper for companies to insure. This | | in a state of the United States other |
| Turlock | | translates into lower rates for the | | than the one in which the insured's |
| Allentown | | Super Preferred customer than | | insurance is written. |
| Atlanta | | someone with higher risk factors such | | |
| Flushing | | as a heart condition, cancer or | | Divided Cover: The placing of |
| Mountain View | | diabetes. Conversely, if you were | | insurance on a given subject or |
| Sarasota | | unhealthy when you acquired your | | object with more than one insurer. |
| Sacramento | | policy, and your health has now | | |
| Alpharetta | | improved, it might be time to shop for | | Convention Values: Values assigned |
| West Chester | | a new policy, as your rates are likely | | to insurers' assets in the convention |
| Chula Vista | | to be lower. | | blank. |
