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| San Jose | | Shopping around is the best way to | | Agent's Qualification Law: Education, |
| Lafayette | | save money on your insurance. | | experience, and other requirements |
| Hemet | | | | imposed by the state upon persons |
| Woodbridge | | We offer quotes for auto insurance, | | desiring to be licensed as agents. |
| Rochester | | life insurance, homeowners | | |
| Oceanside | | insurance, health insurance, term life | | Theory of Probability: The |
| Erie | | insurance and more. | | mathematical principle upon which |
| Sumter | | | | insurance is based. |
| Lorain | | The quickest and easiest way to | | |
| Las Cruces | | shop for new insurance is by | | Stock Option Plan: Surviving |
| Worcester | | comparing rates at InsWebs online | | stockholders have the option to |
| Modesto | | marketplace. If you do it the | | purchase or not purchase the shares |
| Hattiesburg | | old-fashioned way (by calling or | | of a deceased stockholder. |
| Evansville | | visiting multiple agents or insurance | | |
| Hendersonville | | companies) it could take up a huge | | Underwriters Laboratories, Inc. (UL): A |
| Miami | | chunk of your time, which no one | | testing laboratory for manufactured |
| Sioux City | | wants or needs. By completing | | items to determine their safety |
| Stockbridge | | InsWebs online application, you will | | propensities. |
| Ann Arbor | | have rates to compare to your old | | |
| Mesa | | ones within minutes! | | Equity: The money value of an |
| Conroe | | | | insurance company that is over and |
| Toledo | | Make sure you have a new policy in | | above its liabilities. Liabilities include |
| Rockford | | place before you cancel your old one | | almost all of its reserves. |
| Vero Beach | | to avoid a lapse in coverage. This will | | |
| Minneapolis | | also prevent having to figure out the | | Retrospective Premium: The final |
| Newport Beach | | amount of any unused premium that is | | premium in a retrospective rating |
| Englewood | | due to you from your old insurance | | plan. See Retrospective Rating. |
| Fort Smith | | company, or having to spar with your | | |
| Longmont | | agent about exactly when your policy | | Loss Frequency: The number of times |
| Livonia | | was cancelled and how much they | | a loss occurs over a specific period |
| Belleville | | owe you. | | of time. |
