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| White Plains | | We offer quotes for auto insurance, | | Adjustment Bureau: A firm organized |
| Westbury | | life insurance, homeowners | | to provide adjustment services to |
| Kingsport | | insurance, health insurance, term life | | insurers not wishing to create their |
| Duluth | | insurance and more. | | own claims division. |
| Raleigh | | | | |
| Montgomery | | While some companies raise their | | Basic Rate: The manual rate from |
| Vero Beach | | prices based on your actual age, | | which discounts are taken or to which |
| Littleton | | most companies increase the price of | | charges are added to reflect the |
| Pittsburgh | | their policies six months before your | | individual circumstances of a risk. |
| Lincoln | | birthday. Its a term called Age | | |
| Boulder | | Nearest in the industry, and that | | Mandatory Valuation Reserve: A |
| Santa Barbara | | half-year price increase could really | | reserve required by a state law to |
| Trenton | | add up over a 20-year term policy. As | | offset any declines in the valuation of |
| Stockbridge | | above, the quicker you purchase your | | securities listed as admitted assets. |
| Sioux Falls | | policy the better. | | |
| Sterling Heights | | | | Building Code: This refers to |
| Worcester | | Everyone has different needs, and | | municipal or other governmental |
| Lorain | | not one size fits all when it comes to | | ordinances regulating the type of |
| Sarasota | | term life insurance. While it may make | | construction of buildings within its |
| Beaumont | | sense for people in their 30s and 40s | | jurisdiction. |
| Fort Lauderdale | | to secure a 20-year term length, a | | |
| Lancaster | | 10-year term might be more | | Paid-In Surplus: Surplus paid in by |
| Sterling Heights | | appropriate for someone nearing | | stockholders, as contrasted with |
| Washington | | retirement. | | surplus earned through the |
| Hartford | | | | operations of a business. |
| Toms River | | Life insurance, specifically Term Life, | | |
| Toledo | | is arguably one of the best values in | | Absolute Assignment: Assignment by |
| Wilmington | | the entire financial services arena. | | a policy owner of all control of and |
| Flint | | Where else can you go and get | | rights in the policy to a third party. |
| Biloxi | | hundreds of thousands of dollars in | | |
| Fairfax | | protection for literally pennies per | | Malicious Mischief: Similar to |
| Huntington | | day? Rates for Term Life insurance | | vandalism. Purposely damaging the |
| Santa Monica | | remain at all-time lows, and now is the | | rights or property of another. |
| Bakersfield | | time to lock in the best prices. | | |
