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| El Paso | | At InsWeb, you can compare free | | Provisional Rate: Tentative rates, |
| Colorado Springs | | online insurance quotes from many of | | premiums or commissions that are |
| Norwalk | | the nations leading insurance | | subject to subsequent adjustment. |
| Overland Park | | companies. | | See Commission and Premium. |
| Greensboro | | | | |
| Jonesboro | | Everyone has different needs, and | | Deductible: The portion of an insured |
| Salem | | not one size fits all when it comes to | | loss to be borne by the insured |
| Tulsa | | term life insurance. While it may make | | before he is entitled to recovery from |
| Madison | | sense for people in their 30s and 40s | | the insurer. |
| Amarillo | | to secure a 20-year term length, a | | |
| Greeley | | 10-year term might be more | | Provisions: Statements contained in |
| Racine | | appropriate for someone nearing | | an insurance policy which explain the |
| Santa Rosa | | retirement. | | benefits, conditions and other |
| Modesto | | | | features of the insurance contract. |
| New Port Richey | | While some companies raise their | | |
| Monroe | | prices based on your actual age, | | Calendar Year Experience: This |
| Waco | | most companies increase the price of | | measures the premiums and losses |
| Quincy | | their policies six months before your | | entered on accounting records during |
| Bethlehem | | birthday. Its a term called Age | | the 12-month calendar. |
| Acworth | | Nearest in the industry, and that | | |
| Schenectady | | half-year price increase could really | | Absolute Assignment: Assignment by |
| Tucson | | add up over a 20-year term policy. As | | a policy owner of all control of and |
| Tulsa | | above, the quicker you purchase your | | rights in the policy to a third party. |
| Spokane | | policy the better. | | |
| Sioux Falls | | | | Net Loss: The amount of loss |
| Johnson City | | The quickest and easiest way to | | sustained by an insurer after giving |
| Worcester | | shop for new insurance is by | | effect to all applicable reinsurance, |
| Rochester | | comparing rates at InsWebs online | | salvage, and subrogation recoveries. |
| Albany | | marketplace. If you do it the | | |
| Alexandria | | old-fashioned way (by calling or | | Admitted Company: An insurance |
| Winter Park | | visiting multiple agents or insurance | | company authorized and licensed to |
| York | | companies) it could take up a huge | | do business in a given state. |
| Irving | | chunk of your time, which no one | | |
| Independence | | wants or needs. By completing | | Approved: The condition which exists |
| Chula Vista | | InsWebs online application, you will | | when the person or object to be |
| Delray Beach | | have rates to compare to your old | | insured meets the underwriting |
| Spring Hill | | ones within minutes! | | standards of the insurer. |
