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| Columbia | | While some companies raise their | | Indemnity: Restoration to the victim of |
| St. Paul | | prices based on your actual age, | | a loss by payment, repair, or |
| Englewood | | most companies increase the price of | | replacement. |
| Mountain View | | their policies six months before your | | |
| Saginaw | | birthday. Its a term called Age | | Partnership: A business enterprise |
| Las Cruces | | Nearest in the industry, and that | | owned and operated by two or more |
| Lake Charles | | half-year price increase could really | | persons for the purpose of generating |
| Oceanside | | add up over a 20-year term policy. As | | business income and profits. |
| San Antonio | | above, the quicker you purchase your | | |
| Rockville | | policy the better. | | Admitted (or Allowed) Assets: Assets |
| Littleton | | | | whose values are permitted by state |
| Mountain View | | People who are trying to quit | | law to be included in the annual |
| Peoria | | smoking, for example, might be best | | statement of the insurer. |
| Council Bluffs | | suited purchasing a shorter term (and | | |
| Amarillo | | then replacing it with a longer term | | Captive Agent: One who sells |
| Longwood | | policy when they qualify for | | insurance for only one company as |
| Fort Wayne | | non-tobacco prices). | | opposed to an agent who represents |
| Gainesville | | | | several companies. |
| Whittier | | We offer quotes for auto insurance, | | |
| Sarasota | | life insurance, homeowners | | Basic Rate: The manual rate from |
| Daytona Beach | | insurance, health insurance, term life | | which discounts are taken or to which |
| Amarillo | | insurance and more. | | charges are added to reflect the |
| Edison | | | | individual circumstances of a risk. |
| Franklin | | Healthy people have the best | | |
| Springfield | | mortality risks and thus are much | | Replacement: A new policy written to |
| Aurora | | cheaper for companies to insure. This | | take the place of one currently in force. |
| Rochester | | translates into lower rates for the | | |
| San Diego | | Super Preferred customer than | | Countersignature: The signature of a |
| Savannah | | someone with higher risk factors such | | licensed agent or representative on a |
| Naples | | as a heart condition, cancer or | | policy. |
| York | | diabetes. Conversely, if you were | | |
| Tuscaloosa | | unhealthy when you acquired your | | Sherman Antitrust Act: An antitrust law |
| Olympia | | policy, and your health has now | | from which insurance is exempted to |
| Austin | | improved, it might be time to shop for | | the extent that it is regulated by state |
| Pompano Beach | | a new policy, as your rates are likely | | law. |
| Dayton | | to be lower. | | |
