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| Sumter | | Individuals who have 30-year | | Initial Premium: An amount paid at the |
| Belleville | | mortgages might want to consider a | | inception of an insurance contract, |
| Grand Junction | | 30-year term to ensure that the house | | usually subject to adjustment at the |
| Duluth | | is protected throughout the period of | | end of the policy period. |
| Rome | | the loan. | | |
| Quincy | | | | License: A certification of authority for |
| Hemet | | Why not take advantage of current | | an agent or insurer to operate, given |
| Portland | | low prices? Many auto insurance | | by the appropriate jurisdiction. |
| Billings | | consumers are becoming educated | | |
| Wichita Falls | | on other companies, plans, and rates | | Countersignature: The signature of a |
| Dothan | | that are available to them; ones that | | licensed agent or representative on a |
| Escondido | | could afford them significant savings | | policy. |
| Biloxi | | on their auto insurance. | | |
| Omaha | | | | Adjustment Bureau: A firm organized |
| Duluth | | While some companies raise their | | to provide adjustment services to |
| Hot Springs | | prices based on your actual age, | | insurers not wishing to create their |
| Lorain | | most companies increase the price of | | own claims division. |
| Jackson | | their policies six months before your | | |
| Racine | | birthday. Its a term called Age | | Burning Ratio: The ratio of losses |
| Amarillo | | Nearest in the industry, and that | | suffered to the amount of insurance in |
| Omaha | | half-year price increase could really | | effect. |
| Peoria | | add up over a 20-year term policy. As | | |
| El Cajon | | above, the quicker you purchase your | | American Risk and Insurance |
| Thousand Oaks | | policy the better. | | Association: An association of |
| Southfield | | | | insurance educators and others |
| Corpus Christi | | Life insurance, specifically Term Life, | | interested in insurance study and |
| Birmingham | | is arguably one of the best values in | | research. |
| Ocala | | the entire financial services arena. | | |
| Aurora | | Where else can you go and get | | Independent Contractor: One who |
| Saginaw | | hundreds of thousands of dollars in | | agrees to perform according to a |
| Westbury | | protection for literally pennies per | | contract and who is not an employee. |
| Bradenton | | day? Rates for Term Life insurance | | |
| Franklin | | remain at all-time lows, and now is the | | Claim: A demand made by the |
| Amarillo | | time to lock in the best prices. | | insured, or the insured's beneficiary, |
| Gainesville | | | | for payment of the benefits provided |
| Aurora | | | | by the contract. |
