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| Bronx | | Individuals who have 30-year | | Indemnify: To restore the victim of a |
| Walnut Creek | | mortgages might want to consider a | | loss to the same position as before |
| Dubuque | | 30-year term to ensure that the house | | the loss occurred. |
| Tulsa | | is protected throughout the period of | | |
| Williamsburg | | the loan. | | Interline Endorsement: Commercial |
| Toms River | | | | endorsements that apply, or could |
| Florissant | | If you have noticed that your auto | | apply, to more than one coverage |
| Anchorage | | insurance rates are still increasing | | part of a package policy. |
| Fort Worth | | with each renewal, or even have not | | |
| Cambridge | | gone down even though you have a | | Standard Industry Code (SIC): This is |
| Duluth | | great driving record, this lower pricing | | a coding system which assigns |
| Tallahassee | | trend makes it more important then | | separate codes for different types of |
| Little Rock | | ever that you shop around for auto | | industries. |
| Baton Rouge | | insurance. | | |
| Mesquite | | | | Level Commission System: A system |
| Winter Park | | If you decide to cancel your policy | | of commissions in which the first year |
| Seattle | | (after acquiring new coverage) | | and all renewal commissions are the |
| Hartford | | outside of the 30-day period, you may | | same percentage of the premium. |
| Poughkeepsie | | have to pay a fee or penalty. | | |
| Fort Worth | | However, you may still save money | | Lapsed Policy: One which has been |
| Portsmouth | | after paying the fee if your new policy | | allowed to expire because of |
| Los Angeles | | affords you significant savings. So | | nonpayment of premiums. |
| Springfield | | while it is best to wait until your | | |
| Bloomington | | receive your renewal notice, you CAN | | Broker-Agent: One acting as an agent |
| Redlands | | cancel your policy at any time. | | of one or more insurers and as a |
| Houma | | | | broker in dealing with one or more |
| Baton Rouge | | Everyone has different needs, and | | other insurers. |
| Boise | | not one size fits all when it comes to | | |
| Omaha | | term life insurance. While it may make | | Admitted Company: An insurance |
| Scottsdale | | sense for people in their 30s and 40s | | company authorized and licensed to |
| Seattle | | to secure a 20-year term length, a | | do business in a given state. |
| Tucson | | 10-year term might be more | | |
| Greeley | | appropriate for someone nearing | | Lloyd's Broker: A person who has the |
| Richmond | | retirement. | | authority to negotiate insurance |
| Durham | | | | contracts with the underwriters on the |
| Schaumburg | | | | floor at Lloyd's. |
