The code above does not support wildcard words (ie. *insurance, insurance*), so you will need to add the exact words you want to use.
If you are running this script from your own computer (with PHP installed) you can use
http://127.0.0.1 or any ip address connected to the router, or
http://localhost
If you want to refer to a website or webpage, point the location to the address
Hope this helps.