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| St. Paul | | Everyone has different needs, and | | Effective Date: The date on which the |
| Pensacola | | not one size fits all when it comes to | | protection of an insurance policy or |
| Virginia Beach | | term life insurance. While it may make | | bond goes into effect. |
| Colorado Springs | | sense for people in their 30s and 40s | | |
| Boston | | to secure a 20-year term length, a | | Amendment: A formal document |
| Williamsburg | | 10-year term might be more | | which corrects or revises an |
| Anderson | | appropriate for someone nearing | | insurance master policy. |
| Fullerton | | retirement. | | |
| St. Louis | | | | Absolute Assignment: Assignment by |
| Gaithersburg | | Individuals who have 30-year | | a policy owner of all control of and |
| Virginia Beach | | mortgages might want to consider a | | rights in the policy to a third party. |
| Hickory | | 30-year term to ensure that the house | | |
| Hollywood | | is protected throughout the period of | | Commission of Authority: A document |
| Huntsville | | the loan. | | outlining the powers delegated to an |
| Conroe | | | | agent by an insurer. |
| Palm Harbor | | If you have noticed that your auto | | |
| Torrance | | insurance rates are still increasing | | Building Code: This refers to |
| San Diego | | with each renewal, or even have not | | municipal or other governmental |
| Wichita Falls | | gone down even though you have a | | ordinances regulating the type of |
| Lakeland | | great driving record, this lower pricing | | construction of buildings within its |
| Scranton | | trend makes it more important then | | jurisdiction. |
| Huntsville | | ever that you shop around for auto | | |
| Knoxville | | insurance. | | Lloyd's Broker: A person who has the |
| Gainesville | | | | authority to negotiate insurance |
| Naperville | | The best time to switch policies is | | contracts with the underwriters on the |
| Rochester | | within one month of receiving your | | floor at Lloyd's. |
| Nashua | | policy renewal from your current | | |
| Hollywood | | insurer. You can typically cancel your | | Tickler: A reminder system used to |
| San Diego | | policy without any fees or penalties if | | call an individual's attention to actions |
| Redlands | | you act within this time period. | | that must be taken at a future point in |
| Wichita Falls | | | | time. |
| Charleston | | People who are trying to quit | | |
| Garland | | smoking, for example, might be best | | Earned Income: The money |
| Corpus Christi | | suited purchasing a shorter term (and | | individuals earn as a result of working |
| Cincinnati | | then replacing it with a longer term | | at some job or occupation for which |
| Phoenix | | policy when they qualify for | | they are paid a salary. |
| Brooklyn | | non-tobacco prices). | | |
