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| Bloomington | | Everyone has different needs, and | | Fiduciary: A person holding the funds |
| Carlsbad | | not one size fits all when it comes to | | or property of another in a position of |
| Malden | | term life insurance. While it may make | | trust. An example would be the |
| Kingsport | | sense for people in their 30s and 40s | | executor of an estate. |
| Whittier | | to secure a 20-year term length, a | | |
| Fort Lauderdale | | 10-year term might be more | | Multi-Peril Policies: Policies which |
| Acworth | | appropriate for someone nearing | | cover a number of perils, such as fire, |
| Englewood | | retirement. | | burglary, and liability, in a single |
| Lakewood | | | | contract. |
| Duluth | | At InsWeb, you can compare free | | |
| Panama City | | online insurance quotes from many of | | Accident: An unplanned event, |
| Quincy | | the nations leading insurance | | unexpected and undesigned, which |
| Pensacola | | companies. | | occurs suddenly and at a definite |
| Colorado Springs | | | | place. |
| San Francisco | | The quickest and easiest way to | | |
| Poughkeepsie | | shop for new insurance is by | | Exclusion: A contractual provision that |
| Hattiesburg | | comparing rates at InsWebs online | | denies coverage for certain perils, |
| San Bernardino | | marketplace. If you do it the | | persons, property, or locations. |
| Newport News | | old-fashioned way (by calling or | | |
| Davenport | | visiting multiple agents or insurance | | Lloyd's Broker: A person who has the |
| Boca Raton | | companies) it could take up a huge | | authority to negotiate insurance |
| Oceanside | | chunk of your time, which no one | | contracts with the underwriters on the |
| Thousand Oaks | | wants or needs. By completing | | floor at Lloyd's. |
| Baltimore | | InsWebs online application, you will | | |
| Muskegon | | have rates to compare to your old | | Retrospective Premium: The final |
| Westbury | | ones within minutes! | | premium in a retrospective rating |
| Miami | | | | plan. See Retrospective Rating. |
| Austin | | Shopping around is the best way to | | |
| Fairfax | | save money on your insurance. | | Short Rate Premium: The premium |
| Athens | | | | required for issuing a policy for a |
| Franklin | | While some companies raise their | | period less than its normal term. |
| Austin | | prices based on your actual age, | | |
| Louisville | | most companies increase the price of | | Public Adjuster: An insurance adjuster |
| Grand Rapids | | their policies six months before your | | who represents an insured on a fee |
| Silver Spring | | birthday. Its a term called Age | | basis in claims settlement. Contrast |
| Youngstown | | Nearest in the industry, and that | | with Independent Adjuster. |
| Delray Beach | | half-year price increase could really | | |
| Huntsville | | add up over a 20-year term policy. As | | |
| Little Rock | | above, the quicker you purchase your | | |
| Lawrenceville | | policy the better. | | |
