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| West Palm Beach | | Why not take advantage of current | | Short Rate Premium: The premium |
| Aurora | | low prices? Many auto insurance | | required for issuing a policy for a |
| Boca Raton | | consumers are becoming educated | | period less than its normal term. |
| Fort Worth | | on other companies, plans, and rates | | |
| Flushing | | that are available to them; ones that | | Flat Cancellation: A policy which is |
| Huntington | | could afford them significant savings | | cancelled upon its effective date. |
| Savannah | | on their auto insurance. | | Usually under a flat cancellation no |
| Syracuse | | | | premium charge is made. |
| San Bernardino | | Shopping around is the best way to | | |
| Joliet | | save money on your insurance. | | Stock Option Plan: Surviving |
| Midland | | | | stockholders have the option to |
| Seattle | | Individuals who have 30-year | | purchase or not purchase the shares |
| Fresno | | mortgages might want to consider a | | of a deceased stockholder. |
| Milwaukee | | 30-year term to ensure that the house | | |
| Wilmington | | is protected throughout the period of | | Legislative Risk: A risk faced by |
| Saginaw | | the loan. | | investors whereby changes in tax |
| Riverside | | | | laws can result in adverse effects on |
| Evansville | | At InsWeb, you can compare free | | the individual's investment results. |
| Whittier | | online insurance quotes from many of | | |
| Florence | | the nations leading insurance | | Gross Premium: The net premium |
| Dubuque | | companies. | | plus operating expenses, |
| Gainesville | | | | commissions and other expenses. |
| Des Moines | | People who are trying to quit | | |
| Franklin | | smoking, for example, might be best | | Commercial Lines: This term is used |
| Johnson City | | suited purchasing a shorter term (and | | to refer to insurance for businesses, |
| Colorado Springs | | then replacing it with a longer term | | professionals, and commercial |
| Hampton | | policy when they qualify for | | establishments. |
| Tacoma | | non-tobacco prices). | | |
| Lake Charles | | | | Borderline Risk: An insurance |
| Long Island City | | Everyone has different needs, and | | prospect of doubtful quality from an |
| South Bend | | not one size fits all when it comes to | | underwriting point of view. |
| Lansing | | term life insurance. While it may make | | |
| Owensboro | | sense for people in their 30s and 40s | | Captive Agent: One who sells |
| Portland | | to secure a 20-year term length, a | | insurance for only one company as |
| Albany | | 10-year term might be more | | opposed to an agent who represents |
| Riverside | | appropriate for someone nearing | | several companies. |
| Jonesboro | | retirement. | | |
