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| Hot Springs | | We offer quotes for auto insurance, | | Insolvent Insurer: An insurer which is |
| Monroe | | life insurance, homeowners | | unable to meet its financial |
| Johnson City | | insurance, health insurance, term life | | obligations. |
| New Port Richey | | insurance and more. | | |
| Trenton | | | | Net Retention: The amount of |
| Akron | | Individuals who have 30-year | | insurance that a ceding company |
| Fremont | | mortgages might want to consider a | | keeps for its own account and does |
| Ventura | | 30-year term to ensure that the house | | not reinsure. |
| Flint | | is protected throughout the period of | | |
| Littleton | | the loan. | | Sole Proprietorship: A business |
| Lorain | | | | enterprise owned by one person who |
| Lake Charles | | At InsWeb, you can compare free | | is its manager and employee. |
| Knoxville | | online insurance quotes from many of | | |
| Trenton | | the nations leading insurance | | Preferred Risk: Any risk considered |
| Myrtle Beach | | companies. | | to be better than the standard risk on |
| Duluth | | | | which the premium rate was |
| Goldsboro | | Healthy people have the best | | calculated. |
| Albuquerque | | mortality risks and thus are much | | |
| Wilmington | | cheaper for companies to insure. This | | Cash Flow Underwriting: The use of |
| Seattle | | translates into lower rates for the | | rating and premium collection |
| Riverside | | Super Preferred customer than | | techniques by insurance companies |
| Anderson | | someone with higher risk factors such | | to maximize interest earnings on |
| Anaheim | | as a heart condition, cancer or | | premiums. |
| Baltimore | | diabetes. Conversely, if you were | | |
| Wichita | | unhealthy when you acquired your | | Provisional Rate: Tentative rates, |
| Pembroke Pines | | policy, and your health has now | | premiums or commissions that are |
| Longwood | | improved, it might be time to shop for | | subject to subsequent adjustment. |
| Houston | | a new policy, as your rates are likely | | See Commission and Premium. |
| Santa Rosa | | to be lower. | | |
| Toms River | | | | Agency Contract (or Agreement): The |
| Longwood | | Life insurance, specifically Term Life, | | document which establishes the legal |
| Midland | | is arguably one of the best values in | | relationship between an agent and an |
| Canton | | the entire financial services arena. | | insurer. |
| Spring Hill | | Where else can you go and get | | |
| Palm Desert | | hundreds of thousands of dollars in | | |
| Coral Springs | | protection for literally pennies per | | |
| Cypress | | day? Rates for Term Life insurance | | |
| Albany | | remain at all-time lows, and now is the | | |
| Scranton | | time to lock in the best prices. | | |
