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| Green Bay | | Individuals who have 30-year | | Independent Agent: An agent |
| Salt Lake City | | mortgages might want to consider a | | operating as an independent |
| Athens | | 30-year term to ensure that the house | | contractor under the independent |
| San Antonio | | is protected throughout the period of | | agency system. |
| Las Vegas | | the loan. | | |
| Owensboro | | | | Policy Anniversary: The anniversary |
| Fort Worth | | While some companies raise their | | of the date of issue of a policy as |
| Springfield | | prices based on your actual age, | | shown in the policy declarations. |
| South Bend | | most companies increase the price of | | |
| Chesapeake | | their policies six months before your | | Net Retention: The amount of |
| Hot Springs | | birthday. Its a term called Age | | insurance that a ceding company |
| Lafayette | | Nearest in the industry, and that | | keeps for its own account and does |
| New York | | half-year price increase could really | | not reinsure. |
| Boulder | | add up over a 20-year term policy. As | | |
| Tyler | | above, the quicker you purchase your | | Provisional Rate: Tentative rates, |
| Manchester | | policy the better. | | premiums or commissions that are |
| Columbia | | | | subject to subsequent adjustment. |
| San Francisco | | Everyone has different needs, and | | See Commission and Premium. |
| Toledo | | not one size fits all when it comes to | | |
| Buffalo | | term life insurance. While it may make | | Notice of Cancellation: Written notice |
| Albany | | sense for people in their 30s and 40s | | by an insurer of intent to cancel |
| Stamford | | to secure a 20-year term length, a | | insurance, or written notice by an |
| Elkhart | | 10-year term might be more | | insured requesting cancellation. |
| Columbus | | appropriate for someone nearing | | |
| Lawton | | retirement. | | Agent's Balance: A periodic |
| Fayetteville | | | | statement of the sums due and owed |
| Durham | | We offer quotes for auto insurance, | | to an agent under the agent's contract |
| Fort Myers | | life insurance, homeowners | | with an insurer. |
| Orlando | | insurance, health insurance, term life | | |
| Syracuse | | insurance and more. | | Approved Roof: A term used in |
| Albany | | | | building construction. It indicates a |
| Elkhart | | People who are trying to quit | | roof made of fire-resistive materials, |
| Santa Rosa | | smoking, for example, might be best | | such as tile or asphalt shingles. |
| Little Rock | | suited purchasing a shorter term (and | | |
| Cambridge | | then replacing it with a longer term | | |
| Ocala | | policy when they qualify for | | |
| Bethlehem | | non-tobacco prices). | | |
