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| Muncie | | Life insurance, specifically Term Life, | | Agent's License: A certificate of |
| Waco | | is arguably one of the best values in | | authority from the state which permits |
| Houston | | the entire financial services arena. | | the agent to conduct business. |
| Albany | | Where else can you go and get | | |
| Jasper | | hundreds of thousands of dollars in | | Preferred Risk: Any risk considered |
| Biloxi | | protection for literally pennies per | | to be better than the standard risk on |
| Ocala | | day? Rates for Term Life insurance | | which the premium rate was |
| Fort Lauderdale | | remain at all-time lows, and now is the | | calculated. |
| Johnson City | | time to lock in the best prices. | | |
| Clinton Township | | | | Deductible: The portion of an insured |
| Rome | | We offer quotes for auto insurance, | | loss to be borne by the insured |
| St. Paul | | life insurance, homeowners | | before he is entitled to recovery from |
| Slidell | | insurance, health insurance, term life | | the insurer. |
| Charlotte | | insurance and more. | | |
| Houston | | | | Examiner: An employee assigned by |
| Overland Park | | Make sure you have a new policy in | | the state insurance department to |
| Flint | | place before you cancel your old one | | audit insurers' records. |
| Salem | | to avoid a lapse in coverage. This will | | |
| Little Rock | | also prevent having to figure out the | | Theory of Probability: The |
| Amarillo | | amount of any unused premium that is | | mathematical principle upon which |
| Richmond | | due to you from your old insurance | | insurance is based. |
| Tallahassee | | company, or having to spar with your | | |
| Newark | | agent about exactly when your policy | | Insurance Examiner: The |
| Englewood | | was cancelled and how much they | | representative of a state insurance |
| San Francisco | | owe you. | | department assigned to participate in |
| Stamford | | | | the official audit and examination of |
| Anderson | | If you decide to cancel your policy | | an insurer. |
| Lakewood | | (after acquiring new coverage) | | |
| Woodbridge | | outside of the 30-day period, you may | | Commission of Authority: A document |
| Panama City | | have to pay a fee or penalty. | | outlining the powers delegated to an |
| Union | | However, you may still save money | | agent by an insurer. |
| Spartanburg | | after paying the fee if your new policy | | |
| Cambridge | | affords you significant savings. So | | Gross Premium: The net premium |
| Memphis | | while it is best to wait until your | | plus operating expenses, |
| Vero Beach | | receive your renewal notice, you CAN | | commissions and other expenses. |
| Jackson | | cancel your policy at any time. | | |
