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| Springfield | | At InsWeb, you can compare free | | Submitted Business: Applications for |
| Coral Springs | | online insurance quotes from many of | | insurance submitted to an insurer but |
| Charlotte | | the nations leading insurance | | not yet acted upon by it. |
| Downey | | companies. | | |
| Garland | | | | Buy-Back" Deductible: A deductible |
| Sumter | | Individuals who have 30-year | | which may be eliminated for an |
| Sarasota | | mortgages might want to consider a | | additional premium in order to |
| Fresno | | 30-year term to ensure that the house | | provide "first-dollar" coverage. |
| Rome | | is protected throughout the period of | | |
| Virginia Beach | | the loan. | | Retrospective Premium: The final |
| Tampa | | | | premium in a retrospective rating |
| Fayetteville | | Life insurance, specifically Term Life, | | plan. See Retrospective Rating. |
| Torrance | | is arguably one of the best values in | | |
| Nashville | | the entire financial services arena. | | Capital Sum: The maximum lump sum |
| Sunnyvale | | Where else can you go and get | | payable in the event of accidental |
| Nashville | | hundreds of thousands of dollars in | | death or dismemberment. |
| Duluth | | protection for literally pennies per | | |
| Longview | | day? Rates for Term Life insurance | | Index Bureau Experience: A measure |
| Riverside | | remain at all-time lows, and now is the | | of losses relating to claims reported |
| Muskegon | | time to lock in the best prices. | | through a claim office during a |
| Grand Junction | | | | 12-month period. |
| Union | | Make sure you have a new policy in | | |
| Delray Beach | | place before you cancel your old one | | Brokerage Business: Business |
| Downey | | to avoid a lapse in coverage. This will | | offered to an insurer by a broker. This |
| Aurora | | also prevent having to figure out the | | is sometimes called excess or |
| Littleton | | amount of any unused premium that is | | surplus business. |
| Philadelphia | | due to you from your old insurance | | |
| Winter Park | | company, or having to spar with your | | Not Taken: Policies applied for and |
| Joliet | | agent about exactly when your policy | | issued but rejected by the proposed |
| Lawrenceville | | was cancelled and how much they | | owner and not paid for. |
| Dothan | | owe you. | | |
| Henderson | | | | Commission of Authority: A document |
| Santa Barbara | | Everyone has different needs, and | | outlining the powers delegated to an |
| Mobile | | not one size fits all when it comes to | | agent by an insurer. |
| Cranston | | term life insurance. While it may make | | |
| Cape Coral | | sense for people in their 30s and 40s | | |
| Springfield | | to secure a 20-year term length, a | | |
| Escondido | | 10-year term might be more | | |
| Hemet | | appropriate for someone nearing | | |
| Rockville | | retirement. | | |
