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| Monroe | | Shopping around is the best way to | | War Risk Insurance: Insurance |
| Santa Ana | | save money on your insurance. | | covering damage caused by war. |
| Savannah | | | | Most often written by Ocean Marine |
| Carlsbad | | While some companies raise their | | Insurance companies covering |
| Oakland | | prices based on your actual age, | | vessels. |
| Springfield | | most companies increase the price of | | |
| Glendale | | their policies six months before your | | Depreciation: A decrease in the value |
| Seattle | | birthday. Its a term called Age | | of any type of tangible property over |
| Lima | | Nearest in the industry, and that | | a period of time resulting from use, |
| Santa Monica | | half-year price increase could really | | wear and tear, or obsolescence. |
| Lakeland | | add up over a 20-year term policy. As | | |
| Lexington | | above, the quicker you purchase your | | Paid-In Surplus: Surplus paid in by |
| Lorain | | policy the better. | | stockholders, as contrasted with |
| Flint | | | | surplus earned through the |
| Acworth | | People who are trying to quit | | operations of a business. |
| South Bend | | smoking, for example, might be best | | |
| Alpharetta | | suited purchasing a shorter term (and | | Other Insurance: The existence of |
| Johnson City | | then replacing it with a longer term | | other contracts covering the same |
| Johnstown | | policy when they qualify for | | interest and perils. |
| Joliet | | non-tobacco prices). | | |
| Santa Monica | | | | Absolute Assignment: Assignment by |
| Anderson | | The best time to switch policies is | | a policy owner of all control of and |
| Portland | | within one month of receiving your | | rights in the policy to a third party. |
| Chandler | | policy renewal from your current | | |
| Englewood | | insurer. You can typically cancel your | | Accidental Bodily Injury: An injury |
| Mountain View | | policy without any fees or penalties if | | sustained accidentally. Only the result |
| Turlock | | you act within this time period. | | need be accidental. Contrast with |
| Scottsdale | | | | Accidental Means. |
| Roanoke | | Everyone has different needs, and | | |
| High Point | | not one size fits all when it comes to | | Level Commission System: A system |
| Sacramento | | term life insurance. While it may make | | of commissions in which the first year |
| Fort Wayne | | sense for people in their 30s and 40s | | and all renewal commissions are the |
| Santa Monica | | to secure a 20-year term length, a | | same percentage of the premium. |
| Riverside | | 10-year term might be more | | |
| Atlanta | | appropriate for someone nearing | | |
| Jonesboro | | retirement. | | |
