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| Quincy | | Healthy people have the best | | Premium: The price of insurance |
| Torrance | | mortality risks and thus are much | | protection for a specified risk for a |
| Glendale | | cheaper for companies to insure. This | | specified period of time. |
| Tyler | | translates into lower rates for the | | |
| Sioux Falls | | Super Preferred customer than | | Endorsement: A written or printed form |
| Lafayette | | someone with higher risk factors such | | attached to the policy which alters |
| Las Vegas | | as a heart condition, cancer or | | provisions of the contract. |
| Yonkers | | diabetes. Conversely, if you were | | |
| Reading | | unhealthy when you acquired your | | Underinsurance: A condition in which |
| Grand Junction | | policy, and your health has now | | not enough insurance is carried to |
| Richmond | | improved, it might be time to shop for | | cover the insurable value. |
| Nashville | | a new policy, as your rates are likely | | |
| Brooklyn | | to be lower. | | Lloyd's Broker: A person who has the |
| Melbourne | | | | authority to negotiate insurance |
| Boise | | While some companies raise their | | contracts with the underwriters on the |
| Belleville | | prices based on your actual age, | | floor at Lloyd's. |
| New Port Richey | | most companies increase the price of | | |
| Lawrenceville | | their policies six months before your | | Agency: An insurance sales office |
| Arlington | | birthday. Its a term called Age | | which is directed by a agent, |
| Irving | | Nearest in the industry, and that | | manager, independent agent, or |
| Escondido | | half-year price increase could really | | company manager. |
| Louisville | | add up over a 20-year term policy. As | | |
| Rockville | | above, the quicker you purchase your | | Level Commission System: A system |
| Newark | | policy the better. | | of commissions in which the first year |
| Cookeville | | | | and all renewal commissions are the |
| Walnut Creek | | We offer quotes for auto insurance, | | same percentage of the premium. |
| Edison | | life insurance, homeowners | | |
| El Paso | | insurance, health insurance, term life | | Not Taken: Policies applied for and |
| Mesquite | | insurance and more. | | issued but rejected by the proposed |
| Decatur | | | | owner and not paid for. |
| Council Bluffs | | The best time to switch policies is | | |
| Fort Lauderdale | | within one month of receiving your | | Standard Industry Code (SIC): This is |
| Davenport | | policy renewal from your current | | a coding system which assigns |
| Chandler | | insurer. You can typically cancel your | | separate codes for different types of |
| Alameda | | policy without any fees or penalties if | | industries. |
| Stockbridge | | you act within this time period. | | |
