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| Modesto | | The quickest and easiest way to | | Depreciation: A decrease in the value |
| High Point | | shop for new insurance is by | | of any type of tangible property over |
| Sioux Falls | | comparing rates at InsWebs online | | a period of time resulting from use, |
| Woodbridge | | marketplace. If you do it the | | wear and tear, or obsolescence. |
| Clearwater | | old-fashioned way (by calling or | | |
| Peoria | | visiting multiple agents or insurance | | Liabilities: Money owed or expected |
| Oakland | | companies) it could take up a huge | | to be owed. Insurance company |
| Cedar Rapids | | chunk of your time, which no one | | financial statements, for instance, |
| Wichita Falls | | wants or needs. By completing | | show assets and liabilities. |
| Winter Park | | InsWebs online application, you will | | |
| Orange | | have rates to compare to your old | | Captive Agent: One who sells |
| El Paso | | ones within minutes! | | insurance for only one company as |
| Vineland | | | | opposed to an agent who represents |
| Tuscaloosa | | Everyone has different needs, and | | several companies. |
| Goldsboro | | not one size fits all when it comes to | | |
| Anderson | | term life insurance. While it may make | | Partnership Entity: The partnership |
| Ann Arbor | | sense for people in their 30s and 40s | | considered as an entity and not in |
| Fayetteville | | to secure a 20-year term length, a | | terms of its individual part-owners. |
| Venice | | 10-year term might be more | | |
| Santa Ana | | appropriate for someone nearing | | Effective Date: The date on which the |
| Palo Alto | | retirement. | | protection of an insurance policy or |
| Cape Coral | | | | bond goes into effect. |
| Stamford | | Healthy people have the best | | |
| Santa Monica | | mortality risks and thus are much | | Adjustment Bureau: A firm organized |
| Vero Beach | | cheaper for companies to insure. This | | to provide adjustment services to |
| Savannah | | translates into lower rates for the | | insurers not wishing to create their |
| Las Cruces | | Super Preferred customer than | | own claims division. |
| Englewood | | someone with higher risk factors such | | |
| Jacksonville | | as a heart condition, cancer or | | Monoline Policy: Any insurance |
| El Cajon | | diabetes. Conversely, if you were | | coverage written as a single line |
| Jasper | | unhealthy when you acquired your | | policy. Contrast with Multiple Line or |
| Alexandria | | policy, and your health has now | | Package policy. |
| Yonkers | | improved, it might be time to shop for | | |
| Oceanside | | a new policy, as your rates are likely | | Exclusion: A contractual provision that |
| Baton Rouge | | to be lower. | | denies coverage for certain perils, |
| Portsmouth | | | | persons, property, or locations. |
