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| Providence | | If you have noticed that your auto | | Divided Cover: The placing of |
| Wichita | | insurance rates are still increasing | | insurance on a given subject or |
| Santa Barbara | | with each renewal, or even have not | | object with more than one insurer. |
| Independence | | gone down even though you have a | | |
| Wilmington | | great driving record, this lower pricing | | Admitted Company: An insurance |
| Lima | | trend makes it more important then | | company authorized and licensed to |
| Springfield | | ever that you shop around for auto | | do business in a given state. |
| Columbus | | insurance. | | |
| Cypress | | | | Domestic Insurer (or Company): An |
| Lima | | At InsWeb, you can compare free | | insurer formed under the laws of the |
| Washington | | online insurance quotes from many of | | state in which the insurance is written. |
| Winter Park | | the nations leading insurance | | |
| Muncie | | companies. | | Coding: A method of putting |
| Warwick | | | | information into a numerical form for |
| Washington | | We offer quotes for auto insurance, | | statistical use. Most information on |
| Livonia | | life insurance, homeowners | | policies is coded and then put into |
| Chandler | | insurance, health insurance, term life | | reports. |
| Jacksonville | | insurance and more. | | |
| Scottsdale | | | | Equity: The money value of an |
| San Francisco | | Individuals who have 30-year | | insurance company that is over and |
| Akron | | mortgages might want to consider a | | above its liabilities. Liabilities include |
| Lawrenceville | | 30-year term to ensure that the house | | almost all of its reserves. |
| Longwood | | is protected throughout the period of | | |
| Bay City | | the loan. | | Losses Incurred: The total losses, |
| Hickory | | | | whether paid or not, sustained by an |
| Monroe | | Everyone has different needs, and | | insurer during a given period, e.g., 12 |
| Bay City | | not one size fits all when it comes to | | months. |
| Plano | | term life insurance. While it may make | | |
| Johnson City | | sense for people in their 30s and 40s | | Net Loss: The amount of loss |
| Bayside | | to secure a 20-year term length, a | | sustained by an insurer after giving |
| Albany | | 10-year term might be more | | effect to all applicable reinsurance, |
| Jackson | | appropriate for someone nearing | | salvage, and subrogation recoveries. |
| St. Joseph | | retirement. | | |
| Ann Arbor | | | | Mutualization: The process of |
| Jacksonville | | | | converting a stock insurer to a mutual |
| Pittsburgh | | | | insurer, accomplished by having the |
| Waterloo | | | | insurer buy stock and retire it. |
