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| Dayton | | At InsWeb, you can compare free | | Collusion: An agreement, usually |
| Lancaster | | online insurance quotes from many of | | secret, between two or more persons |
| New Orleans | | the nations leading insurance | | to defraud or deprive another or |
| Coral Springs | | companies. | | others of their property or rights. |
| Shreveport | | | | |
| Bloomington | | People who are trying to quit | | Lloyd's Broker: A person who has the |
| Whittier | | smoking, for example, might be best | | authority to negotiate insurance |
| Minneapolis | | suited purchasing a shorter term (and | | contracts with the underwriters on the |
| Owensboro | | then replacing it with a longer term | | floor at Lloyd's. |
| Tulsa | | policy when they qualify for | | |
| Minneapolis | | non-tobacco prices). | | Short-Term Policy: A policy written for |
| Rochester | | | | a period of less time than is normal for |
| Edmond | | Shopping around is the best way to | | that type of policy. |
| Fort Smith | | save money on your insurance. | | |
| Fremont | | | | American Risk and Insurance |
| Los Angeles | | Individuals who have 30-year | | Association: An association of |
| Providence | | mortgages might want to consider a | | insurance educators and others |
| Johnson City | | 30-year term to ensure that the house | | interested in insurance study and |
| Waco | | is protected throughout the period of | | research. |
| Torrance | | the loan. | | |
| Lexington | | | | Claim Report: A report filed by an |
| Jasper | | The quickest and easiest way to | | agent setting forth the facts of a claim. |
| Ann Arbor | | shop for new insurance is by | | Same as Loss Report. |
| San Diego | | comparing rates at InsWebs online | | |
| Muncie | | marketplace. If you do it the | | Gross Premium: The net premium |
| Duluth | | old-fashioned way (by calling or | | plus operating expenses, |
| Anderson | | visiting multiple agents or insurance | | commissions and other expenses. |
| Davenport | | companies) it could take up a huge | | |
| Waterloo | | chunk of your time, which no one | | Mandatory Valuation Reserve: A |
| Seattle | | wants or needs. By completing | | reserve required by a state law to |
| Albany | | InsWebs online application, you will | | offset any declines in the valuation of |
| Lowell | | have rates to compare to your old | | securities listed as admitted assets. |
| Fullerton | | ones within minutes! | | |
| Belleville | | | | Agent's License: A certificate of |
| Hot Springs | | | | authority from the state which permits |
| Raleigh | | | | the agent to conduct business. |
