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| Frederick | | Life insurance, specifically Term Life, | | Independent Contractor: One who |
| Cedar Rapids | | is arguably one of the best values in | | agrees to perform according to a |
| Oxnard | | the entire financial services arena. | | contract and who is not an employee. |
| Spokane | | Where else can you go and get | | |
| Manchester | | hundreds of thousands of dollars in | | Flat Cancellation: A policy which is |
| Denton | | protection for literally pennies per | | cancelled upon its effective date. |
| Schaumburg | | day? Rates for Term Life insurance | | Usually under a flat cancellation no |
| Henderson | | remain at all-time lows, and now is the | | premium charge is made. |
| San Francisco | | time to lock in the best prices. | | |
| Bellevue | | | | Liquidity: The ability of an insurer to |
| Lakewood | | Why not take advantage of current | | convert its assets into cash to pay |
| Lake Charles | | low prices? Many auto insurance | | claims if necessary. |
| Oklahoma City | | consumers are becoming educated | | |
| Eugene | | on other companies, plans, and rates | | Nonadmitted Insurer: An insurer not |
| Bloomington | | that are available to them; ones that | | licensed to do business in the |
| Turlock | | could afford them significant savings | | jurisdiction in question. Same as |
| Charlotte | | on their auto insurance. | | Unauthorized Insurer and Unlicensed |
| Sumter | | | | Insurer. |
| Tulsa | | Shopping around is the best way to | | |
| Portsmouth | | save money on your insurance. | | Broker of Record: A broker who has |
| Nashville | | | | been designated to handle certain |
| Metairie | | The best time to switch policies is | | insurance contracts for the |
| Fort Lauderdale | | within one month of receiving your | | policyholder. |
| Evanston | | policy renewal from your current | | |
| San Jose | | insurer. You can typically cancel your | | Borderline Risk: An insurance |
| Coral Springs | | policy without any fees or penalties if | | prospect of doubtful quality from an |
| St. Joseph | | you act within this time period. | | underwriting point of view. |
