| | | | |
|
| Greeley | | Shopping around is the best way to | | Substandard Risk: A risk not |
| Cape Coral | | save money on your insurance. | | measuring up to underwriting |
| Clearwater | | | | standards. It may still be written but |
| Houston | | Life insurance, specifically Term Life, | | usually at a surcharged premium. |
| Spring Hill | | is arguably one of the best values in | | |
| Fort Wayne | | the entire financial services arena. | | Burning Ratio: The ratio of losses |
| Pembroke Pines | | Where else can you go and get | | suffered to the amount of insurance in |
| Pompano Beach | | hundreds of thousands of dollars in | | effect. |
| St. Joseph | | protection for literally pennies per | | |
| Fullerton | | day? Rates for Term Life insurance | | Broker of Record: A broker who has |
| Cypress | | remain at all-time lows, and now is the | | been designated to handle certain |
| Portsmouth | | time to lock in the best prices. | | insurance contracts for the |
| Pembroke Pines | | | | policyholder. |
| Fremont | | People who are trying to quit | | |
| Littleton | | smoking, for example, might be best | | Effective Date: The date on which the |
| Redlands | | suited purchasing a shorter term (and | | protection of an insurance policy or |
| Palm Desert | | then replacing it with a longer term | | bond goes into effect. |
| Bakersfield | | policy when they qualify for | | |
| Sioux City | | non-tobacco prices). | | Equity: The money value of an |
| Irving | | | | insurance company that is over and |
| Santa Ana | | While some companies raise their | | above its liabilities. Liabilities include |
| Los Angeles | | prices based on your actual age, | | almost all of its reserves. |
| Walnut Creek | | most companies increase the price of | | |
| Quincy | | their policies six months before your | | Director of Insurance: A title used in |
| Lorain | | birthday. Its a term called Age | | some states for the head of the |
| Lafayette | | Nearest in the industry, and that | | department of insurance. |
| Jersey City | | half-year price increase could really | | |
| Springfield | | add up over a 20-year term policy. As | | Basic Rate: The manual rate from |
| Boulder | | above, the quicker you purchase your | | which discounts are taken or to which |
| Council Bluffs | | policy the better. | | charges are added to reflect the |
| Morristown | | | | individual circumstances of a risk. |
| Long Beach | | At InsWeb, you can compare free | | |
| Belleville | | online insurance quotes from many of | | National Auto Theft Bureau: An |
| Sunnyvale | | the nations leading insurance | | organization engaged in the |
| Austin | | companies. | | prevention and reduction of motor |
| Boston | | | | vehicle fire and theft losses. |
