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| York | | Why not take advantage of current | | Agent's Qualification Law: Education, |
| Silver Spring | | low prices? Many auto insurance | | experience, and other requirements |
| Hollywood | | consumers are becoming educated | | imposed by the state upon persons |
| Odessa | | on other companies, plans, and rates | | desiring to be licensed as agents. |
| Harrisburg | | that are available to them; ones that | | |
| Clarksville | | could afford them significant savings | | Borderline Risk: An insurance |
| Charlotte | | on their auto insurance. | | prospect of doubtful quality from an |
| Fairfax | | | | underwriting point of view. |
| Erie | | While some companies raise their | | |
| Cambridge | | prices based on your actual age, | | Leasehold: An agreement which |
| Little Rock | | most companies increase the price of | | gives a person the right to use and |
| Lincoln | | their policies six months before your | | occupy property. |
| Macon | | birthday. Its a term called Age | | |
| Owensboro | | Nearest in the industry, and that | | Time Limits: The limits of time within |
| Fremont | | half-year price increase could really | | which notice of a claim and proof of a |
| Athens | | add up over a 20-year term policy. As | | loss must be submitted. |
| Fall River | | above, the quicker you purchase your | | |
| Youngstown | | policy the better. | | Agency Contract (or Agreement): The |
| Indianapolis | | | | document which establishes the legal |
| Tuscaloosa | | Life insurance, specifically Term Life, | | relationship between an agent and an |
| Muskegon | | is arguably one of the best values in | | insurer. |
| Salem | | the entire financial services arena. | | |
| Jackson | | Where else can you go and get | | Substandard Risk: A risk not |
| Livonia | | hundreds of thousands of dollars in | | measuring up to underwriting |
| Gulfport | | protection for literally pennies per | | standards. It may still be written but |
| Billings | | day? Rates for Term Life insurance | | usually at a surcharged premium. |
| St. Joseph | | remain at all-time lows, and now is the | | |
| Milwaukee | | time to lock in the best prices. | | Book Value: Refers to the value of |
| Longmont | | | | assets as shown in the official |
| Columbus | | We offer quotes for auto insurance, | | accounting records of the company. |
| Peoria | | life insurance, homeowners | | |
| Marietta | | insurance, health insurance, term life | | Commission of Authority: A document |
| Pasadena | | insurance and more. | | outlining the powers delegated to an |
| Valdosta | | | | agent by an insurer. |
