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| Corona | | While some companies raise their | | Liabilities: Money owed or expected |
| Grand Junction | | prices based on your actual age, | | to be owed. Insurance company |
| Monroe | | most companies increase the price of | | financial statements, for instance, |
| Honolulu | | their policies six months before your | | show assets and liabilities. |
| Myrtle Beach | | birthday. Its a term called Age | | |
| Omaha | | Nearest in the industry, and that | | Paid-In Surplus: Surplus paid in by |
| Delray Beach | | half-year price increase could really | | stockholders, as contrasted with |
| Evansville | | add up over a 20-year term policy. As | | surplus earned through the |
| San Antonio | | above, the quicker you purchase your | | operations of a business. |
| Salem | | policy the better. | | |
| El Paso | | | | Minimum Premium: The smallest |
| Dothan | | Everyone has different needs, and | | amount of premium for which an |
| St. Louis | | not one size fits all when it comes to | | insurer will issue coverage under a |
| New York | | term life insurance. While it may make | | given policy. |
| Billings | | sense for people in their 30s and 40s | | |
| Shreveport | | to secure a 20-year term length, a | | Gain and Loss Exhibit: The portion of |
| Schaumburg | | 10-year term might be more | | the convention blank which |
| Athens | | appropriate for someone nearing | | represents an analysis of gains, |
| Jackson | | retirement. | | losses, and surplus during an |
| Dubuque | | | | accounting period. |
| Anderson | | The quickest and easiest way to | | |
| Manchester | | shop for new insurance is by | | Divided Cover: The placing of |
| Miami | | comparing rates at InsWebs online | | insurance on a given subject or |
| Spring Hill | | marketplace. If you do it the | | object with more than one insurer. |
| Allentown | | old-fashioned way (by calling or | | |
| Topeka | | visiting multiple agents or insurance | | Gross Premium: The net premium |
| Oxnard | | companies) it could take up a huge | | plus operating expenses, |
| Gaithersburg | | chunk of your time, which no one | | commissions and other expenses. |
| Marietta | | wants or needs. By completing | | |
| Indianapolis | | InsWebs online application, you will | | Standard Industry Code (SIC): This is |
| Lowell | | have rates to compare to your old | | a coding system which assigns |
| Tucson | | ones within minutes! | | separate codes for different types of |
| Inglewood | | | | industries. |
| Marietta | | Why not take advantage of current | | |
| Anderson | | low prices? Many auto insurance | | |
| Lansing | | consumers are becoming educated | | |
| Reno | | on other companies, plans, and rates | | |
| Wichita Falls | | that are available to them; ones that | | |
| Lancaster | | could afford them significant savings | | |
| Metairie | | on their auto insurance. | | |
