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| Fayetteville | | The quickest and easiest way to | | Standard Industry Code (SIC): This is |
| Honolulu | | shop for new insurance is by | | a coding system which assigns |
| Albany | | comparing rates at InsWebs online | | separate codes for different types of |
| Naperville | | marketplace. If you do it the | | industries. |
| Orange | | old-fashioned way (by calling or | | |
| Fort Collins | | visiting multiple agents or insurance | | Insurance Policy: The printed form |
| Tampa | | companies) it could take up a huge | | which serves as the contract between |
| Toledo | | chunk of your time, which no one | | an insurer and an insured. |
| Knoxville | | wants or needs. By completing | | |
| Marietta | | InsWebs online application, you will | | Tariff Rate: A rate established by a |
| Jonesboro | | have rates to compare to your old | | rating organization, which comes from |
| Fort Wayne | | ones within minutes! | | the tables, schedules and rules found |
| Edison | | | | in the tariff of rates. |
| Plano | | While some companies raise their | | |
| Sunnyvale | | prices based on your actual age, | | Depreciation: A decrease in the value |
| Troy | | most companies increase the price of | | of any type of tangible property over |
| Cranston | | their policies six months before your | | a period of time resulting from use, |
| Cleveland | | birthday. Its a term called Age | | wear and tear, or obsolescence. |
| Zanesville | | Nearest in the industry, and that | | |
| Hartford | | half-year price increase could really | | Nonadmitted Insurer: An insurer not |
| Quincy | | add up over a 20-year term policy. As | | licensed to do business in the |
| Hollywood | | above, the quicker you purchase your | | jurisdiction in question. Same as |
| Worcester | | policy the better. | | Unauthorized Insurer and Unlicensed |
| Miami | | | | Insurer. |
| Longview | | Life insurance, specifically Term Life, | | |
| Ann Arbor | | is arguably one of the best values in | | Operating Expense: The expense of |
| Plano | | the entire financial services arena. | | an insurer other than commissions |
| Honolulu | | Where else can you go and get | | and taxes. Called " and Insurance |
| Glendale | | hundreds of thousands of dollars in | | Expense" in the convention statement |
| Melbourne | | protection for literally pennies per | | blank. |
| Palm Desert | | day? Rates for Term Life insurance | | |
| Naples | | remain at all-time lows, and now is the | | Deflation: An economic period |
| Texarkana | | time to lock in the best prices. | | characterized by falling prices, high |
| Raleigh | | | | unemployment and a generally |
| Newport News | | | | sluggish or slow economy. |
