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| New Orleans | | We offer quotes for auto insurance, | | Captive Agent: One who sells |
| Bayside | | life insurance, homeowners | | insurance for only one company as |
| Clarksville | | insurance, health insurance, term life | | opposed to an agent who represents |
| Carlsbad | | insurance and more. | | several companies. |
| Boynton Beach | | | | |
| Lafayette | | Healthy people have the best | | Equity: The money value of an |
| Winter Park | | mortality risks and thus are much | | insurance company that is over and |
| El Paso | | cheaper for companies to insure. This | | above its liabilities. Liabilities include |
| Bay City | | translates into lower rates for the | | almost all of its reserves. |
| Mobile | | Super Preferred customer than | | |
| Billings | | someone with higher risk factors such | | Brick Veneer Construction: Refers to |
| Bethlehem | | as a heart condition, cancer or | | a building where the outside walls are |
| Manchester | | diabetes. Conversely, if you were | | constructed of wood with a facing of a |
| Tallahassee | | unhealthy when you acquired your | | single layer of brick. |
| Westbury | | policy, and your health has now | | |
| Daytona Beach | | improved, it might be time to shop for | | Valuation Clause: A clause stating the |
| Memphis | | a new policy, as your rates are likely | | value of items for insurance |
| Long Beach | | to be lower. | | purposes, making it a valued policy. |
