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| Clarksville | | The quickest and easiest way to | | Commercial Lines: This term is used |
| Green Bay | | shop for new insurance is by | | to refer to insurance for businesses, |
| Rapid City | | comparing rates at InsWebs online | | professionals, and commercial |
| Wilmington | | marketplace. If you do it the | | establishments. |
| Baton Rouge | | old-fashioned way (by calling or | | |
| Roanoke | | visiting multiple agents or insurance | | Agent's Qualification Law: Education, |
| Charlotte | | companies) it could take up a huge | | experience, and other requirements |
| Chicago | | chunk of your time, which no one | | imposed by the state upon persons |
| Mesquite | | wants or needs. By completing | | desiring to be licensed as agents. |
| Palm Harbor | | InsWebs online application, you will | | |
| Gulfport | | have rates to compare to your old | | Indemnity: Restoration to the victim of |
| Long Island City | | ones within minutes! | | a loss by payment, repair, or |
| Hampton | | | | replacement. |
| Oakland | | Make sure you have a new policy in | | |
| Waco | | place before you cancel your old one | | Valuation Clause: A clause stating the |
| Tallahassee | | to avoid a lapse in coverage. This will | | value of items for insurance |
| Pittsburgh | | also prevent having to figure out the | | purposes, making it a valued policy. |
| Gainesville | | amount of any unused premium that is | | |
| Duluth | | due to you from your old insurance | | Professional Insurance Agents |
| Valdosta | | company, or having to spar with your | | Association: A trade association of |
| Orange | | agent about exactly when your policy | | mutual insurance agents. |
| Burbank | | was cancelled and how much they | | |
| Warren | | owe you. | | Cash Flow Underwriting: The use of |
| Las Cruces | | | | rating and premium collection |
| Peoria | | Shopping around is the best way to | | techniques by insurance companies |
| Metairie | | save money on your insurance. | | to maximize interest earnings on |
| Portland | | | | premiums. |
| Littleton | | Everyone has different needs, and | | |
| Grand Junction | | not one size fits all when it comes to | | Depreciation: A decrease in the value |
| Lafayette | | term life insurance. While it may make | | of any type of tangible property over |
| Lakewood | | sense for people in their 30s and 40s | | a period of time resulting from use, |
| Fremont | | to secure a 20-year term length, a | | wear and tear, or obsolescence. |
| Philadelphia | | 10-year term might be more | | |
| Columbus | | appropriate for someone nearing | | Substandard Risk: A risk not |
| St. Joseph | | retirement. | | measuring up to underwriting |
| Kansas City | | | | standards. It may still be written but |
| Youngstown | | | | usually at a surcharged premium. |
