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| Rapid City | | We offer quotes for auto insurance, | | Premium: The price of insurance |
| San Antonio | | life insurance, homeowners | | protection for a specified risk for a |
| Pueblo | | insurance, health insurance, term life | | specified period of time. |
| Muskegon | | insurance and more. | | |
| Panama City | | | | Agency Contract (or Agreement): The |
| Owensboro | | Everyone has different needs, and | | document which establishes the legal |
| Springfield | | not one size fits all when it comes to | | relationship between an agent and an |
| Tacoma | | term life insurance. While it may make | | insurer. |
| Washington | | sense for people in their 30s and 40s | | |
| Williamsport | | to secure a 20-year term length, a | | War Risk Insurance: Insurance |
| St. Joseph | | 10-year term might be more | | covering damage caused by war. |
| Whittier | | appropriate for someone nearing | | Most often written by Ocean Marine |
| Lake Charles | | retirement. | | Insurance companies covering |
| Knoxville | | | | vessels. |
| Englewood | | People who are trying to quit | | |
| Owensboro | | smoking, for example, might be best | | Interline Endorsement: Commercial |
| Newburgh | | suited purchasing a shorter term (and | | endorsements that apply, or could |
| Tuscaloosa | | then replacing it with a longer term | | apply, to more than one coverage |
| Santa Monica | | policy when they qualify for | | part of a package policy. |
| Plano | | non-tobacco prices). | | |
| Davenport | | | | Producer: A term applied to an agent, |
| Corona | | The best time to switch policies is | | solicitor or other person who sells |
| Detroit | | within one month of receiving your | | insurance. |
| Southfield | | policy renewal from your current | | |
| Chandler | | insurer. You can typically cancel your | | Captive Agent: One who sells |
| Springfield | | policy without any fees or penalties if | | insurance for only one company as |
| Rockford | | you act within this time period. | | opposed to an agent who represents |
| Belleville | | | | several companies. |
| Shreveport | | Healthy people have the best | | |
| Springfield | | mortality risks and thus are much | | Burning Ratio: The ratio of losses |
| Gulfport | | cheaper for companies to insure. This | | suffered to the amount of insurance in |
| Schaumburg | | translates into lower rates for the | | effect. |
| Longview | | Super Preferred customer than | | |
| Wichita | | someone with higher risk factors such | | Sole Proprietorship: A business |
| Louisville | | as a heart condition, cancer or | | enterprise owned by one person who |
| Arlington | | diabetes. Conversely, if you were | | is its manager and employee. |
| Saginaw | | unhealthy when you acquired your | | |
| Montgomery | | policy, and your health has now | | |
| Rochester | | improved, it might be time to shop for | | |
| Springfield | | a new policy, as your rates are likely | | |
| Sterling Heights | | to be lower. | | |
