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| Scottsdale | | While some companies raise their | | Loss Adjustment Expense: The cost |
| Fort Lauderdale | | prices based on your actual age, | | of adjusting losses, excluding the |
| Alexandria | | most companies increase the price of | | amount of the loss itself. |
| Hartford | | their policies six months before your | | |
| Gainesville | | birthday. Its a term called Age | | Public Adjuster: An insurance adjuster |
| Thousand Oaks | | Nearest in the industry, and that | | who represents an insured on a fee |
| Allentown | | half-year price increase could really | | basis in claims settlement. Contrast |
| Bloomington | | add up over a 20-year term policy. As | | with Independent Adjuster. |
| Williamsport | | above, the quicker you purchase your | | |
| Columbus | | policy the better. | | Interline Endorsement: Commercial |
| Portland | | | | endorsements that apply, or could |
| Newburgh | | Make sure you have a new policy in | | apply, to more than one coverage |
| Thousand Oaks | | place before you cancel your old one | | part of a package policy. |
| Knoxville | | to avoid a lapse in coverage. This will | | |
| Downey | | also prevent having to figure out the | | Brick Veneer Construction: Refers to |
| Anderson | | amount of any unused premium that is | | a building where the outside walls are |
| Cypress | | due to you from your old insurance | | constructed of wood with a facing of a |
| Jonesboro | | company, or having to spar with your | | single layer of brick. |
| Pittsburgh | | agent about exactly when your policy | | |
| Akron | | was cancelled and how much they | | Premium: The price of insurance |
| Stockbridge | | owe you. | | protection for a specified risk for a |
| Anaheim | | | | specified period of time. |
| Palm Desert | | If you have noticed that your auto | | |
| Lake Charles | | insurance rates are still increasing | | Underwriters Laboratories, Inc. (UL): A |
| Gainesville | | with each renewal, or even have not | | testing laboratory for manufactured |
| Spring Hill | | gone down even though you have a | | items to determine their safety |
| Peoria | | great driving record, this lower pricing | | propensities. |
| Vancouver | | trend makes it more important then | | |
| Bellevue | | ever that you shop around for auto | | Lloyd's Broker: A person who has the |
| Fayetteville | | insurance. | | authority to negotiate insurance |
| Albuquerque | | | | contracts with the underwriters on the |
| Whittier | | Everyone has different needs, and | | floor at Lloyd's. |
| Edmond | | not one size fits all when it comes to | | |
| Wilmington | | term life insurance. While it may make | | Book Value: Refers to the value of |
| Lorain | | sense for people in their 30s and 40s | | assets as shown in the official |
| Cypress | | to secure a 20-year term length, a | | accounting records of the company. |
| Glendale | | 10-year term might be more | | |
| Poughkeepsie | | appropriate for someone nearing | | |
| Dallas | | retirement. | | |
