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| Albany | | The quickest and easiest way to | | New For Old: Replacing old |
| Salem | | shop for new insurance is by | | damaged parts or equipment with |
| Houston | | comparing rates at InsWebs online | | new ones rather than repairing them. |
| Nashville | | marketplace. If you do it the | | |
| Macon | | old-fashioned way (by calling or | | Multi-Peril Policies: Policies which |
| Carlsbad | | visiting multiple agents or insurance | | cover a number of perils, such as fire, |
| Toledo | | companies) it could take up a huge | | burglary, and liability, in a single |
| Cedar Rapids | | chunk of your time, which no one | | contract. |
| Turlock | | wants or needs. By completing | | |
| Miami | | InsWebs online application, you will | | Provisions: Statements contained in |
| Oakland | | have rates to compare to your old | | an insurance policy which explain the |
| Clearwater | | ones within minutes! | | benefits, conditions and other |
| Panama City | | | | features of the insurance contract. |
| Irving | | Everyone has different needs, and | | |
| Wichita | | not one size fits all when it comes to | | Flat Cancellation: A policy which is |
| Florence | | term life insurance. While it may make | | cancelled upon its effective date. |
| Yuma | | sense for people in their 30s and 40s | | Usually under a flat cancellation no |
| Rochester | | to secure a 20-year term length, a | | premium charge is made. |
| Corona | | 10-year term might be more | | |
| Montgomery | | appropriate for someone nearing | | FICA. Federal Insurance Contributions |
| Littleton | | retirement. | | Act: A law imposing a payroll tax to |
| Mobile | | | | assist in funding Social Security |
| Topeka | | People who are trying to quit | | benefits. |
| York | | smoking, for example, might be best | | |
| Portsmouth | | suited purchasing a shorter term (and | | Malinger: To feign a disability for the |
| Denton | | then replacing it with a longer term | | purpose of continuing to collect |
| Fall River | | policy when they qualify for | | benefits longer than actually |
| Gainesville | | non-tobacco prices). | | necessary. |
