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| Las Cruces | | The quickest and easiest way to | | Valued: Relating to an agreement by |
| Beaumont | | shop for new insurance is by | | an insurer to pay a specified amount |
| Albany | | comparing rates at InsWebs online | | of money to or on behalf of the |
| Dubuque | | marketplace. If you do it the | | insured upon occurrence of a defined |
| Joliet | | old-fashioned way (by calling or | | loss. |
| Warwick | | visiting multiple agents or insurance | | |
| Warren | | companies) it could take up a huge | | Examiner: An employee assigned by |
| Troy | | chunk of your time, which no one | | the state insurance department to |
| Springfield | | wants or needs. By completing | | audit insurers' records. |
| White Plains | | InsWebs online application, you will | | |
| Killeen | | have rates to compare to your old | | Retrospective Premium: The final |
| Anderson | | ones within minutes! | | premium in a retrospective rating |
| Corpus Christi | | | | plan. See Retrospective Rating. |
| Harrisburg | | Individuals who have 30-year | | |
| Cranston | | mortgages might want to consider a | | Cash Flow Underwriting: The use of |
| Hattiesburg | | 30-year term to ensure that the house | | rating and premium collection |
| Yuma | | is protected throughout the period of | | techniques by insurance companies |
| Greensboro | | the loan. | | to maximize interest earnings on |
| Stuart | | | | premiums. |
| Modesto | | Everyone has different needs, and | | |
| Ann Arbor | | not one size fits all when it comes to | | Gross Premium: The net premium |
| Stockbridge | | term life insurance. While it may make | | plus operating expenses, |
| Dayton | | sense for people in their 30s and 40s | | commissions and other expenses. |
| Myrtle Beach | | to secure a 20-year term length, a | | |
| Bakersfield | | 10-year term might be more | | Dual Life Stock Company: A stock |
| Jacksonville | | appropriate for someone nearing | | Life insurer issuing both participating |
| Jackson | | retirement. | | and nonparticipating policy contracts. |
