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| Albany | | People who are trying to quit | | Level Commission System: A system |
| Sterling Heights | | smoking, for example, might be best | | of commissions in which the first year |
| Duluth | | suited purchasing a shorter term (and | | and all renewal commissions are the |
| Muncie | | then replacing it with a longer term | | same percentage of the premium. |
| Fall River | | policy when they qualify for | | |
| Billings | | non-tobacco prices). | | Public Adjuster: An insurance adjuster |
| Winter Haven | | | | who represents an insured on a fee |
| Coral Springs | | The best time to switch policies is | | basis in claims settlement. Contrast |
| Rockville | | within one month of receiving your | | with Independent Adjuster. |
| Montgomery | | policy renewal from your current | | |
| Lancaster | | insurer. You can typically cancel your | | Underwriters Laboratories, Inc. (UL): A |
| Anaheim | | policy without any fees or penalties if | | testing laboratory for manufactured |
| Cookeville | | you act within this time period. | | items to determine their safety |
| Union | | | | propensities. |
| Lakeland | | We offer quotes for auto insurance, | | |
| Midland | | life insurance, homeowners | | Nonadmitted Insurer: An insurer not |
| Dearborn | | insurance, health insurance, term life | | licensed to do business in the |
| Venice | | insurance and more. | | jurisdiction in question. Same as |
| Zanesville | | | | Unauthorized Insurer and Unlicensed |
| Roanoke | | Why not take advantage of current | | Insurer. |
| San Antonio | | low prices? Many auto insurance | | |
| Bradenton | | consumers are becoming educated | | Burning Ratio: The ratio of losses |
| Coral Springs | | on other companies, plans, and rates | | suffered to the amount of insurance in |
| Winter Haven | | that are available to them; ones that | | effect. |
| Slidell | | could afford them significant savings | | |
| Glendale | | on their auto insurance. | | Valuation Clause: A clause stating the |
| Myrtle Beach | | | | value of items for insurance |
| Dothan | | Individuals who have 30-year | | purposes, making it a valued policy. |
| Fayetteville | | mortgages might want to consider a | | |
| Pompano Beach | | 30-year term to ensure that the house | | Retail Credit Company: The former |
| Newburgh | | is protected throughout the period of | | name of Equifax, a credit reporting |
| Ocala | | the loan. | | organization. See Equifax. |
