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| Independence | | If you decide to cancel your policy | | Commission of Authority: A document |
| Shreveport | | (after acquiring new coverage) | | outlining the powers delegated to an |
| Lawton | | outside of the 30-day period, you may | | agent by an insurer. |
| Hattiesburg | | have to pay a fee or penalty. | | |
| Williamsburg | | However, you may still save money | | Lloyd's Broker: A person who has the |
| Muskegon | | after paying the fee if your new policy | | authority to negotiate insurance |
| Shreveport | | affords you significant savings. So | | contracts with the underwriters on the |
| Orange | | while it is best to wait until your | | floor at Lloyd's. |
| Rockford | | receive your renewal notice, you CAN | | |
| Huntington | | cancel your policy at any time. | | Claim Report: A report filed by an |
| Plano | | | | agent setting forth the facts of a claim. |
| Palm Desert | | Everyone has different needs, and | | Same as Loss Report. |
| Tyler | | not one size fits all when it comes to | | |
| Omaha | | term life insurance. While it may make | | Paid-In Surplus: Surplus paid in by |
| Knoxville | | sense for people in their 30s and 40s | | stockholders, as contrasted with |
| Columbia | | to secure a 20-year term length, a | | surplus earned through the |
| Seattle | | 10-year term might be more | | operations of a business. |
| Vero Beach | | appropriate for someone nearing | | |
| Fairfax | | retirement. | | Appraisal: An evaluation of property |
| St. Joseph | | | | made to ascertain either the |
| Mountain View | | We offer quotes for auto insurance, | | appropriate amount of insurance to |
| Fort Worth | | life insurance, homeowners | | be written or the amount of loss to be |
| Peoria | | insurance, health insurance, term life | | paid. |
| Duluth | | insurance and more. | | |
| Williamsburg | | | | Burning Ratio: The ratio of losses |
| Cypress | | Life insurance, specifically Term Life, | | suffered to the amount of insurance in |
| Pasadena | | is arguably one of the best values in | | effect. |
| Omaha | | the entire financial services arena. | | |
| Bloomington | | Where else can you go and get | | Policy Anniversary: The anniversary |
| Gainesville | | hundreds of thousands of dollars in | | of the date of issue of a policy as |
| Duluth | | protection for literally pennies per | | shown in the policy declarations. |
| Huntsville | | day? Rates for Term Life insurance | | |
| Fort Worth | | remain at all-time lows, and now is the | | Buy-Back" Deductible: A deductible |
| Alameda | | time to lock in the best prices. | | which may be eliminated for an |
| Orange Park | | | | additional premium in order to |
| Marietta | | | | provide "first-dollar" coverage. |
