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| Bay City | | We offer quotes for auto insurance, | | Loss Adjustment Expense: The cost |
| Fredericksburg | | life insurance, homeowners | | of adjusting losses, excluding the |
| Pittsburgh | | insurance, health insurance, term life | | amount of the loss itself. |
| Santa Clara | | insurance and more. | | |
| Salem | | | | First Party Insurance: Insurance which |
| Oxnard | | Individuals who have 30-year | | applies to coverage for the insured's |
| Flushing | | mortgages might want to consider a | | own property or person. Contrast with |
| Hollywood | | 30-year term to ensure that the house | | Third Party Insurance. |
| Muncie | | is protected throughout the period of | | |
| Pasadena | | the loan. | | Agent's Balance: A periodic |
| Wichita | | | | statement of the sums due and owed |
| Flint | | People who are trying to quit | | to an agent under the agent's contract |
| Portsmouth | | smoking, for example, might be best | | with an insurer. |
| Midland | | suited purchasing a shorter term (and | | |
| Littleton | | then replacing it with a longer term | | Standard Industry Code (SIC): This is |
| Stockbridge | | policy when they qualify for | | a coding system which assigns |
| San Jose | | non-tobacco prices). | | separate codes for different types of |
| Jackson | | | | industries. |
| Dallas | | The quickest and easiest way to | | |
| Slidell | | shop for new insurance is by | | American Risk and Insurance |
| Acworth | | comparing rates at InsWebs online | | Association: An association of |
| Albuquerque | | marketplace. If you do it the | | insurance educators and others |
| Scottsdale | | old-fashioned way (by calling or | | interested in insurance study and |
| Rapid City | | visiting multiple agents or insurance | | research. |
| Quincy | | companies) it could take up a huge | | |
| Cedar Rapids | | chunk of your time, which no one | | Admitted (or Allowed) Assets: Assets |
| Bellevue | | wants or needs. By completing | | whose values are permitted by state |
| Biloxi | | InsWebs online application, you will | | law to be included in the annual |
| Reno | | have rates to compare to your old | | statement of the insurer. |
| Irving | | ones within minutes! | | |
| Rochester | | | | Interline Endorsement: Commercial |
| Quincy | | While some companies raise their | | endorsements that apply, or could |
| Johnstown | | prices based on your actual age, | | apply, to more than one coverage |
| Henderson | | most companies increase the price of | | part of a package policy. |
| Corpus Christi | | their policies six months before your | | |
| Jacksonville | | birthday. Its a term called Age | | |
| Toledo | | Nearest in the industry, and that | | |
| Peoria | | half-year price increase could really | | |
| Newport Beach | | add up over a 20-year term policy. As | | |
| Youngstown | | above, the quicker you purchase your | | |
| Cypress | | policy the better. | | |
