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| El Cajon | | If you have noticed that your auto | | Appraisal: An evaluation of property |
| Flint | | insurance rates are still increasing | | made to ascertain either the |
| Lansing | | with each renewal, or even have not | | appropriate amount of insurance to |
| Lawton | | gone down even though you have a | | be written or the amount of loss to be |
| Biloxi | | great driving record, this lower pricing | | paid. |
| Joliet | | trend makes it more important then | | |
| Oakland | | ever that you shop around for auto | | Exclusions: Specific situations, |
| Yuma | | insurance. | | conditions, or circumstances that are |
| Springfield | | | | listed in the contract as being not |
| Salem | | Make sure you have a new policy in | | covered. |
| Stuart | | place before you cancel your old one | | |
| Hartford | | to avoid a lapse in coverage. This will | | Capital Sum: The maximum lump sum |
| Belleville | | also prevent having to figure out the | | payable in the event of accidental |
| Williamsport | | amount of any unused premium that is | | death or dismemberment. |
| Cherry Hill | | due to you from your old insurance | | |
| Beaumont | | company, or having to spar with your | | Gross Premium: The net premium |
| Virginia Beach | | agent about exactly when your policy | | plus operating expenses, |
| Ann Arbor | | was cancelled and how much they | | commissions and other expenses. |
| Irvine | | owe you. | | |
| Arlington | | | | Substandard Risk: A risk not |
| Spokane | | Life insurance, specifically Term Life, | | measuring up to underwriting |
| Nashville | | is arguably one of the best values in | | standards. It may still be written but |
| Dallas | | the entire financial services arena. | | usually at a surcharged premium. |
| Corpus Christi | | Where else can you go and get | | |
| Albany | | hundreds of thousands of dollars in | | First Party Insurance: Insurance which |
| Fall River | | protection for literally pennies per | | applies to coverage for the insured's |
| San Diego | | day? Rates for Term Life insurance | | own property or person. Contrast with |
| Garland | | remain at all-time lows, and now is the | | Third Party Insurance. |
| Rochester | | time to lock in the best prices. | | |
| Pensacola | | | | Brokerage Business: Business |
| Springfield | | People who are trying to quit | | offered to an insurer by a broker. This |
| Flint | | smoking, for example, might be best | | is sometimes called excess or |
| El Cajon | | suited purchasing a shorter term (and | | surplus business. |
| Bayside | | then replacing it with a longer term | | |
| Long Island City | | policy when they qualify for | | |
| Indianapolis | | non-tobacco prices). | | |
