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| Abilene | | The best time to switch policies is | | Accident: An unplanned event, |
| Biloxi | | within one month of receiving your | | unexpected and undesigned, which |
| Houma | | policy renewal from your current | | occurs suddenly and at a definite |
| Vancouver | | insurer. You can typically cancel your | | place. |
| Riverside | | policy without any fees or penalties if | | |
| Killeen | | you act within this time period. | | Captive Agent: One who sells |
| Decatur | | | | insurance for only one company as |
| Huntington Beach | | Everyone has different needs, and | | opposed to an agent who represents |
| El Cajon | | not one size fits all when it comes to | | several companies. |
| Roanoke | | term life insurance. While it may make | | |
| Jacksonville | | sense for people in their 30s and 40s | | Commercial Lines: This term is used |
| Fort Wayne | | to secure a 20-year term length, a | | to refer to insurance for businesses, |
| Duluth | | 10-year term might be more | | professionals, and commercial |
| Ann Arbor | | appropriate for someone nearing | | establishments. |
| St. Joseph | | retirement. | | |
| Duluth | | | | Provisions: Statements contained in |
| New York | | Shopping around is the best way to | | an insurance policy which explain the |
| Wichita | | save money on your insurance. | | benefits, conditions and other |
| Topeka | | | | features of the insurance contract. |
| Warren | | Healthy people have the best | | |
| Charlotte | | mortality risks and thus are much | | Monoline Policy: Any insurance |
| Savannah | | cheaper for companies to insure. This | | coverage written as a single line |
| Houston | | translates into lower rates for the | | policy. Contrast with Multiple Line or |
| Rochester | | Super Preferred customer than | | Package policy. |
| Walnut Creek | | someone with higher risk factors such | | |
| Inglewood | | as a heart condition, cancer or | | Inspection: Independent checking on |
| Orange | | diabetes. Conversely, if you were | | facts about an applicant, |
| Midland | | unhealthy when you acquired your | | policyholder, or claimant, usually by a |
| Quincy | | policy, and your health has now | | commercial inspection agency. |
| Anderson | | improved, it might be time to shop for | | |
| Pompano Beach | | a new policy, as your rates are likely | | Multi-Peril Policies: Policies which |
| Pembroke Pines | | to be lower. | | cover a number of perils, such as fire, |
| Austin | | | | burglary, and liability, in a single |
| Wichita | | Life insurance, specifically Term Life, | | contract. |
| New Port Richey | | is arguably one of the best values in | | |
| West Palm Beach | | the entire financial services arena. | | |
| Atlanta | | Where else can you go and get | | |
| Hattiesburg | | hundreds of thousands of dollars in | | |
| Nashua | | protection for literally pennies per | | |
| Lakeland | | day? Rates for Term Life insurance | | |
| Colorado Springs | | remain at all-time lows, and now is the | | |
| Florissant | | time to lock in the best prices. | | |
