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| Detroit | | Individuals who have 30-year | | Brick Veneer Construction: Refers to |
| Evansville | | mortgages might want to consider a | | a building where the outside walls are |
| Stuart | | 30-year term to ensure that the house | | constructed of wood with a facing of a |
| Athens | | is protected throughout the period of | | single layer of brick. |
| Pembroke Pines | | the loan. | | |
| Mansfield | | | | Policy Anniversary: The anniversary |
| Macon | | The quickest and easiest way to | | of the date of issue of a policy as |
| Green Bay | | shop for new insurance is by | | shown in the policy declarations. |
| Overland Park | | comparing rates at InsWebs online | | |
| Fort Myers | | marketplace. If you do it the | | Cut Rate: This term generally applies |
| Boca Raton | | old-fashioned way (by calling or | | to insurance companies who charge |
| Virginia Beach | | visiting multiple agents or insurance | | premiums below a normal or average |
| Lafayette | | companies) it could take up a huge | | rate. |
| Spokane | | chunk of your time, which no one | | |
| Rome | | wants or needs. By completing | | Exclusion: A contractual provision that |
| Orange Park | | InsWebs online application, you will | | denies coverage for certain perils, |
| Ventura | | have rates to compare to your old | | persons, property, or locations. |
| Toledo | | ones within minutes! | | |
| Chattanooga | | | | Tariff Rate: A rate established by a |
| Philadelphia | | Shopping around is the best way to | | rating organization, which comes from |
| Huntington Beach | | save money on your insurance. | | the tables, schedules and rules found |
| Mesquite | | | | in the tariff of rates. |
| Lake Worth | | Healthy people have the best | | |
| Naperville | | mortality risks and thus are much | | Standard Industry Code (SIC): This is |
| Wilmington | | cheaper for companies to insure. This | | a coding system which assigns |
| Plano | | translates into lower rates for the | | separate codes for different types of |
| Alpharetta | | Super Preferred customer than | | industries. |
| Toms River | | someone with higher risk factors such | | |
| Mountain View | | as a heart condition, cancer or | | Fiduciary: A person holding the funds |
| Mesquite | | diabetes. Conversely, if you were | | or property of another in a position of |
| Bethlehem | | unhealthy when you acquired your | | trust. An example would be the |
| Dothan | | policy, and your health has now | | executor of an estate. |
| Cedar Rapids | | improved, it might be time to shop for | | |
| Dayton | | a new policy, as your rates are likely | | Agent's Balance: A periodic |
| Johnson City | | to be lower. | | statement of the sums due and owed |
| Cambridge | | | | to an agent under the agent's contract |
| Ocala | | | | with an insurer. |
