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| Grand Prairie | | Why not take advantage of current | | Substandard Risk: A risk not |
| Ann Arbor | | low prices? Many auto insurance | | measuring up to underwriting |
| Fort Myers | | consumers are becoming educated | | standards. It may still be written but |
| Fayetteville | | on other companies, plans, and rates | | usually at a surcharged premium. |
| Alameda | | that are available to them; ones that | | |
| Long Beach | | could afford them significant savings | | Foreign Insurer: An insurer domiciled |
| Los Angeles | | on their auto insurance. | | in a state of the United States other |
| Pittsburgh | | | | than the one in which the insured's |
| Jacksonville | | Life insurance, specifically Term Life, | | insurance is written. |
| Gaithersburg | | is arguably one of the best values in | | |
| Mesa | | the entire financial services arena. | | Inspection: Independent checking on |
| Cookeville | | Where else can you go and get | | facts about an applicant, |
| Fremont | | hundreds of thousands of dollars in | | policyholder, or claimant, usually by a |
| Cypress | | protection for literally pennies per | | commercial inspection agency. |
| Pompano Beach | | day? Rates for Term Life insurance | | |
| Grand Rapids | | remain at all-time lows, and now is the | | Line of Business: The classification of |
| Rome | | time to lock in the best prices. | | business as utilized in the insurance |
| Newark | | | | industry, e.g., Fire, Allied Lines and |
| Springfield | | Everyone has different needs, and | | Homeowners. |
| Salem | | not one size fits all when it comes to | | |
| Duluth | | term life insurance. While it may make | | Commercial Lines: This term is used |
| Clinton Township | | sense for people in their 30s and 40s | | to refer to insurance for businesses, |
| Cookeville | | to secure a 20-year term length, a | | professionals, and commercial |
| Berkeley | | 10-year term might be more | | establishments. |
| Santa Ana | | appropriate for someone nearing | | |
| Detroit | | retirement. | | Paid-In Surplus: Surplus paid in by |
| Santa Clara | | | | stockholders, as contrasted with |
| Trenton | | The quickest and easiest way to | | surplus earned through the |
| Modesto | | shop for new insurance is by | | operations of a business. |
| Newburgh | | comparing rates at InsWebs online | | |
| Topeka | | marketplace. If you do it the | | Provisional Rate: Tentative rates, |
| Boston | | old-fashioned way (by calling or | | premiums or commissions that are |
| Jackson | | visiting multiple agents or insurance | | subject to subsequent adjustment. |
| Dearborn | | companies) it could take up a huge | | See Commission and Premium. |
| Cedar Rapids | | chunk of your time, which no one | | |
| Columbia | | wants or needs. By completing | | |
| Saginaw | | InsWebs online application, you will | | |
| Chesapeake | | have rates to compare to your old | | |
| Hot Springs | | ones within minutes! | | |
