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| Lorain | | Life insurance, specifically Term Life, | | Effective Date: The date on which the |
| Green Bay | | is arguably one of the best values in | | protection of an insurance policy or |
| Lake Charles | | the entire financial services arena. | | bond goes into effect. |
| Fresno | | Where else can you go and get | | |
| Allentown | | hundreds of thousands of dollars in | | Losses Incurred: The total losses, |
| Augusta | | protection for literally pennies per | | whether paid or not, sustained by an |
| Macon | | day? Rates for Term Life insurance | | insurer during a given period, e.g., 12 |
| Aurora | | remain at all-time lows, and now is the | | months. |
| Sacramento | | time to lock in the best prices. | | |
| Ogden | | | | Replacement: A new policy written to |
| Kingsport | | At InsWeb, you can compare free | | take the place of one currently in force. |
| Vineland | | online insurance quotes from many of | | |
| Columbia | | the nations leading insurance | | Submitted Business: Applications for |
| Dothan | | companies. | | insurance submitted to an insurer but |
| Yonkers | | | | not yet acted upon by it. |
| Cambridge | | Why not take advantage of current | | |
| Boynton Beach | | low prices? Many auto insurance | | Public Adjuster: An insurance adjuster |
| Lakewood | | consumers are becoming educated | | who represents an insured on a fee |
| Tallahassee | | on other companies, plans, and rates | | basis in claims settlement. Contrast |
| Omaha | | that are available to them; ones that | | with Independent Adjuster. |
| Olympia | | could afford them significant savings | | |
| Clinton Township | | on their auto insurance. | | Gross Premium: The net premium |
| Panama City | | | | plus operating expenses, |
| South Bend | | While some companies raise their | | commissions and other expenses. |
| Schenectady | | prices based on your actual age, | | |
| Downey | | most companies increase the price of | | Valuation Clause: A clause stating the |
| Kansas City | | their policies six months before your | | value of items for insurance |
| Southfield | | birthday. Its a term called Age | | purposes, making it a valued policy. |
| Biloxi | | Nearest in the industry, and that | | |
| Saginaw | | half-year price increase could really | | Other Insurance: The existence of |
| Escondido | | add up over a 20-year term policy. As | | other contracts covering the same |
| Alpharetta | | above, the quicker you purchase your | | interest and perils. |
| Shreveport | | policy the better. | | |
| Johnson City | | | | Renewal: The reestablishment of the |
| Fort Wayne | | | | in-force status of a policy, the term of |
| Whittier | | | | which has expired or will expire |
| San Jose | | | | unless it is renewed. |
