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| Portland | | People who are trying to quit | | Approved: The condition which exists |
| Hollywood | | smoking, for example, might be best | | when the person or object to be |
| Madison | | suited purchasing a shorter term (and | | insured meets the underwriting |
| Austin | | then replacing it with a longer term | | standards of the insurer. |
| Bloomington | | policy when they qualify for | | |
| Syracuse | | non-tobacco prices). | | Book Value: Refers to the value of |
| Hot Springs | | | | assets as shown in the official |
| Thousand Oaks | | Life insurance, specifically Term Life, | | accounting records of the company. |
| Florissant | | is arguably one of the best values in | | |
| New Orleans | | the entire financial services arena. | | Nonassignable: A policy that the |
| Columbus | | Where else can you go and get | | owner cannot assign to a third party. |
| Walnut Creek | | hundreds of thousands of dollars in | | Most policies are nonassignable |
| Pembroke Pines | | protection for literally pennies per | | unless approval is given by the |
| Englewood | | day? Rates for Term Life insurance | | insurer. |
| Billings | | remain at all-time lows, and now is the | | |
| Muskegon | | time to lock in the best prices. | | Fiduciary: A person holding the funds |
| Allentown | | | | or property of another in a position of |
| Gaithersburg | | If you have noticed that your auto | | trust. An example would be the |
| Indianapolis | | insurance rates are still increasing | | executor of an estate. |
| Cape Coral | | with each renewal, or even have not | | |
| Woodbridge | | gone down even though you have a | | Collusion: An agreement, usually |
| Dayton | | great driving record, this lower pricing | | secret, between two or more persons |
| Sioux Falls | | trend makes it more important then | | to defraud or deprive another or |
| Malden | | ever that you shop around for auto | | others of their property or rights. |
| Portland | | insurance. | | |
| Biloxi | | | | Loss Frequency: The number of times |
| Gainesville | | The best time to switch policies is | | a loss occurs over a specific period |
| Newburgh | | within one month of receiving your | | of time. |
| Los Angeles | | policy renewal from your current | | |
| Indianapolis | | insurer. You can typically cancel your | | Broker of Record: A broker who has |
| Clarksville | | policy without any fees or penalties if | | been designated to handle certain |
| Augusta | | you act within this time period. | | insurance contracts for the |
| Florence | | | | policyholder. |
| Albany | | Why not take advantage of current | | |
| Biloxi | | low prices? Many auto insurance | | |
| Troy | | consumers are becoming educated | | |
| Los Angeles | | on other companies, plans, and rates | | |
| Davenport | | that are available to them; ones that | | |
| San Jose | | could afford them significant savings | | |
| Jonesboro | | on their auto insurance. | | |
