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| Salem | | We offer quotes for auto insurance, | | Agent's Balance: A periodic |
| Newark | | life insurance, homeowners | | statement of the sums due and owed |
| Irvine | | insurance, health insurance, term life | | to an agent under the agent's contract |
| Chicago | | insurance and more. | | with an insurer. |
| El Paso | | | | |
| Las Vegas | | People who are trying to quit | | Professional Insurance Agents |
| Independence | | smoking, for example, might be best | | Association: A trade association of |
| Wichita Falls | | suited purchasing a shorter term (and | | mutual insurance agents. |
| Fullerton | | then replacing it with a longer term | | |
| Littleton | | policy when they qualify for | | Book Value: Refers to the value of |
| Winter Park | | non-tobacco prices). | | assets as shown in the official |
| Warwick | | | | accounting records of the company. |
| San Bernardino | | Everyone has different needs, and | | |
| Corona | | not one size fits all when it comes to | | Overlapping Insurance: Coverage |
| Stockbridge | | term life insurance. While it may make | | from two or more policies or insurers |
| Panama City | | sense for people in their 30s and 40s | | which duplicates coverage of certain |
| Erie | | to secure a 20-year term length, a | | risks. |
| Owensboro | | 10-year term might be more | | |
| San Bernardino | | appropriate for someone nearing | | Nonadmitted Insurer: An insurer not |
| Green Bay | | retirement. | | licensed to do business in the |
| Quincy | | | | jurisdiction in question. Same as |
| West Chester | | Healthy people have the best | | Unauthorized Insurer and Unlicensed |
| Mansfield | | mortality risks and thus are much | | Insurer. |
| Warwick | | cheaper for companies to insure. This | | |
| Pueblo | | translates into lower rates for the | | Exclusion: A contractual provision that |
| Santa Monica | | Super Preferred customer than | | denies coverage for certain perils, |
| Tallahassee | | someone with higher risk factors such | | persons, property, or locations. |
| Mansfield | | as a heart condition, cancer or | | |
| Spring Hill | | diabetes. Conversely, if you were | | Net Retention: The amount of |
| Baltimore | | unhealthy when you acquired your | | insurance that a ceding company |
| Green Bay | | policy, and your health has now | | keeps for its own account and does |
| Fullerton | | improved, it might be time to shop for | | not reinsure. |
| High Point | | a new policy, as your rates are likely | | |
| Hartford | | to be lower. | | Exclusions: Specific situations, |
| Alexandria | | | | conditions, or circumstances that are |
| Quincy | | | | listed in the contract as being not |
| Bradenton | | | | covered. |
