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| New York | | People who are trying to quit | | Buy-Back" Deductible: A deductible |
| Huntington | | smoking, for example, might be best | | which may be eliminated for an |
| Topeka | | suited purchasing a shorter term (and | | additional premium in order to |
| Vero Beach | | then replacing it with a longer term | | provide "first-dollar" coverage. |
| Springfield | | policy when they qualify for | | |
| Des Moines | | non-tobacco prices). | | Brokerage Department: A department |
| Carlsbad | | | | of an insurer whose purpose is to |
| Grand Junction | | Life insurance, specifically Term Life, | | deal with brokers in the placing of |
| Valdosta | | is arguably one of the best values in | | insurance. |
| Olympia | | the entire financial services arena. | | |
| Waco | | Where else can you go and get | | Approved Roof: A term used in |
| Fall River | | hundreds of thousands of dollars in | | building construction. It indicates a |
| Manchester | | protection for literally pennies per | | roof made of fire-resistive materials, |
| Williamsburg | | day? Rates for Term Life insurance | | such as tile or asphalt shingles. |
| Boynton Beach | | remain at all-time lows, and now is the | | |
| Vero Beach | | time to lock in the best prices. | | Borderline Risk: An insurance |
| Winter Haven | | | | prospect of doubtful quality from an |
| Newburgh | | Shopping around is the best way to | | underwriting point of view. |
| Lakeland | | save money on your insurance. | | |
| Lima | | | | Capital Sum: The maximum lump sum |
| Orange | | Make sure you have a new policy in | | payable in the event of accidental |
| Savannah | | place before you cancel your old one | | death or dismemberment. |
| Wilmington | | to avoid a lapse in coverage. This will | | |
| Mesquite | | also prevent having to figure out the | | Operating Expense: The expense of |
| Greensboro | | amount of any unused premium that is | | an insurer other than commissions |
| Lubbock | | due to you from your old insurance | | and taxes. Called " and Insurance |
| South Bend | | company, or having to spar with your | | Expense" in the convention statement |
| Flint | | agent about exactly when your policy | | blank. |
| Las Vegas | | was cancelled and how much they | | |
| Canton | | owe you. | | Fiduciary: A person holding the funds |
| Schaumburg | | | | or property of another in a position of |
| Redlands | | Why not take advantage of current | | trust. An example would be the |
| Albany | | low prices? Many auto insurance | | executor of an estate. |
| St. Paul | | consumers are becoming educated | | |
| Wilmington | | on other companies, plans, and rates | | |
| Rockford | | that are available to them; ones that | | |
| Stamford | | could afford them significant savings | | |
| Flint | | on their auto insurance. | | |
