| | | | |
|
| Hickory | | We offer quotes for auto insurance, | | Stock Option Plan: Surviving |
| Decatur | | life insurance, homeowners | | stockholders have the option to |
| Warwick | | insurance, health insurance, term life | | purchase or not purchase the shares |
| Mesa | | insurance and more. | | of a deceased stockholder. |
| Union | | | | |
| Belleville | | While some companies raise their | | Agency Company: An insurance |
| Poughkeepsie | | prices based on your actual age, | | company that produces business |
| Longview | | most companies increase the price of | | through an agency network. Contrast |
| Franklin | | their policies six months before your | | with Direct Writer. |
| Monroe | | birthday. Its a term called Age | | |
| Philadelphia | | Nearest in the industry, and that | | Divided Cover: The placing of |
| Spring Hill | | half-year price increase could really | | insurance on a given subject or |
| Kalamazoo | | add up over a 20-year term policy. As | | object with more than one insurer. |
| Conroe | | above, the quicker you purchase your | | |
| Albany | | policy the better. | | Professional Insurance Agents |
| Delray Beach | | | | Association: A trade association of |
| Kansas City | | Everyone has different needs, and | | mutual insurance agents. |
| Ventura | | not one size fits all when it comes to | | |
| Columbia | | term life insurance. While it may make | | Substandard Risk: A risk not |
| Evansville | | sense for people in their 30s and 40s | | measuring up to underwriting |
| Reno | | to secure a 20-year term length, a | | standards. It may still be written but |
| Fort Myers | | 10-year term might be more | | usually at a surcharged premium. |
| Cypress | | appropriate for someone nearing | | |
| Salem | | retirement. | | Time Limits: The limits of time within |
| Arlington | | | | which notice of a claim and proof of a |
| New Port Richey | | Healthy people have the best | | loss must be submitted. |
| Cape Coral | | mortality risks and thus are much | | |
| El Cajon | | cheaper for companies to insure. This | | First Party Insurance: Insurance which |
| Los Angeles | | translates into lower rates for the | | applies to coverage for the insured's |
| Silver Spring | | Super Preferred customer than | | own property or person. Contrast with |
| Albany | | someone with higher risk factors such | | Third Party Insurance. |
| Gulfport | | as a heart condition, cancer or | | |
| Detroit | | diabetes. Conversely, if you were | | Preferred Risk: Any risk considered |
| Sunnyvale | | unhealthy when you acquired your | | to be better than the standard risk on |
| Manchester | | policy, and your health has now | | which the premium rate was |
| Hemet | | improved, it might be time to shop for | | calculated. |
| Chandler | | a new policy, as your rates are likely | | |
| Cape Coral | | to be lower. | | |
