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| Boise | | We offer quotes for auto insurance, | | Exclusion: A contractual provision that |
| Cedar Rapids | | life insurance, homeowners | | denies coverage for certain perils, |
| Schaumburg | | insurance, health insurance, term life | | persons, property, or locations. |
| Cedar Rapids | | insurance and more. | | |
| Valdosta | | | | Underinsurance: A condition in which |
| Tampa | | If you decide to cancel your policy | | not enough insurance is carried to |
| Dubuque | | (after acquiring new coverage) | | cover the insurable value. |
| Goldsboro | | outside of the 30-day period, you may | | |
| Manchester | | have to pay a fee or penalty. | | Brokerage Business: Business |
| Mountain View | | However, you may still save money | | offered to an insurer by a broker. This |
| Slidell | | after paying the fee if your new policy | | is sometimes called excess or |
| Fort Wayne | | affords you significant savings. So | | surplus business. |
| North Hollywood | | while it is best to wait until your | | |
| Denver | | receive your renewal notice, you CAN | | Inspection: Independent checking on |
| Vero Beach | | cancel your policy at any time. | | facts about an applicant, |
| Louisville | | | | policyholder, or claimant, usually by a |
| Hot Springs | | Life insurance, specifically Term Life, | | commercial inspection agency. |
| Beaumont | | is arguably one of the best values in | | |
| Denton | | the entire financial services arena. | | Substandard Risk: A risk not |
| Killeen | | Where else can you go and get | | measuring up to underwriting |
| Independence | | hundreds of thousands of dollars in | | standards. It may still be written but |
| Long Beach | | protection for literally pennies per | | usually at a surcharged premium. |
| Akron | | day? Rates for Term Life insurance | | |
| Chula Vista | | remain at all-time lows, and now is the | | Dual Life Stock Company: A stock |
| Oceanside | | time to lock in the best prices. | | Life insurer issuing both participating |
| Owensboro | | | | and nonparticipating policy contracts. |
| Ocala | | At InsWeb, you can compare free | | |
| Sioux Falls | | online insurance quotes from many of | | Nonadmitted Insurer: An insurer not |
| Clarksville | | the nations leading insurance | | licensed to do business in the |
| Boise | | companies. | | jurisdiction in question. Same as |
| Florissant | | | | Unauthorized Insurer and Unlicensed |
| Dearborn | | Healthy people have the best | | Insurer. |
| Rochester | | mortality risks and thus are much | | |
| Melbourne | | cheaper for companies to insure. This | | Tabular Plan: A retrospective rating |
| Detroit | | translates into lower rates for the | | plan, which uses tables to furnish the |
| High Point | | Super Preferred customer than | | various values for the rating formula. |
| Harlingen | | someone with higher risk factors such | | |
| Fayetteville | | as a heart condition, cancer or | | |
| Worcester | | diabetes. Conversely, if you were | | |
| Acworth | | unhealthy when you acquired your | | |
| Pensacola | | policy, and your health has now | | |
| Sunnyvale | | improved, it might be time to shop for | | |
| West Palm Beach | | a new policy, as your rates are likely | | |
| Santa Ana | | to be lower. | | |
