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| Syracuse | | People who are trying to quit | | You/Your: These words are used to |
| St. Joseph | | smoking, for example, might be best | | refer to the named insured in many of |
| Waco | | suited purchasing a shorter term (and | | the modernized/personalized policy |
| Long Beach | | then replacing it with a longer term | | forms. |
| Youngstown | | policy when they qualify for | | |
| Spartanburg | | non-tobacco prices). | | Nonassignable: A policy that the |
| Mansfield | | | | owner cannot assign to a third party. |
| Bellevue | | Why not take advantage of current | | Most policies are nonassignable |
| Shreveport | | low prices? Many auto insurance | | unless approval is given by the |
| Newport News | | consumers are becoming educated | | insurer. |
| New Port Richey | | on other companies, plans, and rates | | |
| Fort Myers | | that are available to them; ones that | | Building Code: This refers to |
| Fort Myers | | could afford them significant savings | | municipal or other governmental |
| Springfield | | on their auto insurance. | | ordinances regulating the type of |
| Warren | | | | construction of buildings within its |
| Lafayette | | Life insurance, specifically Term Life, | | jurisdiction. |
| Minneapolis | | is arguably one of the best values in | | |
| Detroit | | the entire financial services arena. | | Lloyd's Broker: A person who has the |
| Fort Worth | | Where else can you go and get | | authority to negotiate insurance |
| Kansas City | | hundreds of thousands of dollars in | | contracts with the underwriters on the |
| Orange Park | | protection for literally pennies per | | floor at Lloyd's. |
| Thousand Oaks | | day? Rates for Term Life insurance | | |
| Edison | | remain at all-time lows, and now is the | | Policy Anniversary: The anniversary |
| Manchester | | time to lock in the best prices. | | of the date of issue of a policy as |
| Colorado Springs | | | | shown in the policy declarations. |
| Richmond | | The quickest and easiest way to | | |
| Tulsa | | shop for new insurance is by | | Depreciation: A decrease in the value |
| Pasadena | | comparing rates at InsWebs online | | of any type of tangible property over |
| Little Rock | | marketplace. If you do it the | | a period of time resulting from use, |
| Harrisburg | | old-fashioned way (by calling or | | wear and tear, or obsolescence. |
| Baton Rouge | | visiting multiple agents or insurance | | |
| Midland | | companies) it could take up a huge | | Paid-In Surplus: Surplus paid in by |
| Conroe | | chunk of your time, which no one | | stockholders, as contrasted with |
| Corpus Christi | | wants or needs. By completing | | surplus earned through the |
| Woodbridge | | InsWebs online application, you will | | operations of a business. |
| Toledo | | have rates to compare to your old | | |
| Acworth | | ones within minutes! | | |
