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| Huntington | | People who are trying to quit | | Liabilities: Money owed or expected |
| Grand Rapids | | smoking, for example, might be best | | to be owed. Insurance company |
| Warren | | suited purchasing a shorter term (and | | financial statements, for instance, |
| Fayetteville | | then replacing it with a longer term | | show assets and liabilities. |
| Tacoma | | policy when they qualify for | | |
| Hendersonville | | non-tobacco prices). | | Commingling: An illegal practice |
| Irving | | | | which occurs when an agent mixes |
| Indianapolis | | We offer quotes for auto insurance, | | personal funds with the insured's or |
| Boulder | | life insurance, homeowners | | insurer's funds. |
| Winter Haven | | insurance, health insurance, term life | | |
| Greensboro | | insurance and more. | | Premium: The price of insurance |
| Portland | | | | protection for a specified risk for a |
| Santa Barbara | | Life insurance, specifically Term Life, | | specified period of time. |
| Jacksonville | | is arguably one of the best values in | | |
| Reno | | the entire financial services arena. | | Other Insurance: The existence of |
| Chattanooga | | Where else can you go and get | | other contracts covering the same |
| Longmont | | hundreds of thousands of dollars in | | interest and perils. |
| Gulfport | | protection for literally pennies per | | |
| Tuscaloosa | | day? Rates for Term Life insurance | | Substandard Risk: A risk not |
| Hot Springs | | remain at all-time lows, and now is the | | measuring up to underwriting |
| Albany | | time to lock in the best prices. | | standards. It may still be written but |
| Seattle | | | | usually at a surcharged premium. |
| Fall River | | Why not take advantage of current | | |
| Abilene | | low prices? Many auto insurance | | Convention Values: Values assigned |
| Savannah | | consumers are becoming educated | | to insurers' assets in the convention |
| Reading | | on other companies, plans, and rates | | blank. |
| Melbourne | | that are available to them; ones that | | |
| Columbia | | could afford them significant savings | | Captive Agent: One who sells |
| Gaithersburg | | on their auto insurance. | | insurance for only one company as |
| Jackson | | | | opposed to an agent who represents |
| Irving | | Healthy people have the best | | several companies. |
| Lawrenceville | | mortality risks and thus are much | | |
| Jasper | | cheaper for companies to insure. This | | Monoline Policy: Any insurance |
| Oklahoma City | | translates into lower rates for the | | coverage written as a single line |
| Pensacola | | Super Preferred customer than | | policy. Contrast with Multiple Line or |
| Delray Beach | | someone with higher risk factors such | | Package policy. |
| Columbia | | as a heart condition, cancer or | | |
| Lincoln | | diabetes. Conversely, if you were | | |
| North Hollywood | | unhealthy when you acquired your | | |
| Winter Haven | | policy, and your health has now | | |
| Long Beach | | improved, it might be time to shop for | | |
| Fort Collins | | a new policy, as your rates are likely | | |
| Grand Rapids | | to be lower. | | |
