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| Winter Park | | If you have noticed that your auto | | Agency Contract (or Agreement): The |
| Torrance | | insurance rates are still increasing | | document which establishes the legal |
| Lake Worth | | with each renewal, or even have not | | relationship between an agent and an |
| Warwick | | gone down even though you have a | | insurer. |
| Green Bay | | great driving record, this lower pricing | | |
| Johnson City | | trend makes it more important then | | Agent's Qualification Law: Education, |
| Venice | | ever that you shop around for auto | | experience, and other requirements |
| Evanston | | insurance. | | imposed by the state upon persons |
| Durham | | | | desiring to be licensed as agents. |
| Costa Mesa | | Everyone has different needs, and | | |
| Orlando | | not one size fits all when it comes to | | Federal Deposit Insurance |
| Stamford | | term life insurance. While it may make | | Corporation (FDIC): An agency of the |
| Burbank | | sense for people in their 30s and 40s | | federal government which insures |
| Anderson | | to secure a 20-year term length, a | | bank deposits up to a stated |
| Toledo | | 10-year term might be more | | maximum. |
| Lansing | | appropriate for someone nearing | | |
| Minneapolis | | retirement. | | Legislative Risk: A risk faced by |
| Henderson | | | | investors whereby changes in tax |
| Burbank | | Individuals who have 30-year | | laws can result in adverse effects on |
| Manchester | | mortgages might want to consider a | | the individual's investment results. |
| Greenville | | 30-year term to ensure that the house | | |
| Vineland | | is protected throughout the period of | | Single Limit: Any insurance coverage |
| Bay City | | the loan. | | which is expressed as a single |
| Frederick | | | | amount of insurance, or a single limit |
| Wichita | | Healthy people have the best | | of liability. Contrast with Split Limit. |
| Corpus Christi | | mortality risks and thus are much | | |
| Ann Arbor | | cheaper for companies to insure. This | | Underwriters Laboratories, Inc. (UL): A |
| Nashville | | translates into lower rates for the | | testing laboratory for manufactured |
| Winter Park | | Super Preferred customer than | | items to determine their safety |
| Schenectady | | someone with higher risk factors such | | propensities. |
| Providence | | as a heart condition, cancer or | | |
| Grand Prairie | | diabetes. Conversely, if you were | | Amendment: A formal document |
| Goldsboro | | unhealthy when you acquired your | | which corrects or revises an |
| Virginia Beach | | policy, and your health has now | | insurance master policy. |
| Detroit | | improved, it might be time to shop for | | |
| Santa Clara | | a new policy, as your rates are likely | | |
| Johnson City | | to be lower. | | |
