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| Philadelphia | | Make sure you have a new policy in | | Basic Rate: The manual rate from |
| Fayetteville | | place before you cancel your old one | | which discounts are taken or to which |
| York | | to avoid a lapse in coverage. This will | | charges are added to reflect the |
| Billings | | also prevent having to figure out the | | individual circumstances of a risk. |
| Metairie | | amount of any unused premium that is | | |
| Indianapolis | | due to you from your old insurance | | Sole Proprietorship: A business |
| Staten Island | | company, or having to spar with your | | enterprise owned by one person who |
| Brooklyn | | agent about exactly when your policy | | is its manager and employee. |
| Hartford | | was cancelled and how much they | | |
| Houma | | owe you. | | Stock Option Plan: Surviving |
| Hendersonville | | | | stockholders have the option to |
| Orange | | Individuals who have 30-year | | purchase or not purchase the shares |
| Costa Mesa | | mortgages might want to consider a | | of a deceased stockholder. |
| Southfield | | 30-year term to ensure that the house | | |
| Columbus | | is protected throughout the period of | | Adjustment Bureau: A firm organized |
| Southfield | | the loan. | | to provide adjustment services to |
| Winter Haven | | | | insurers not wishing to create their |
| Flushing | | Everyone has different needs, and | | own claims division. |
| Franklin | | not one size fits all when it comes to | | |
| Jacksonville | | term life insurance. While it may make | | Federal Deposit Insurance |
| Trenton | | sense for people in their 30s and 40s | | Corporation (FDIC): An agency of the |
| Honolulu | | to secure a 20-year term length, a | | federal government which insures |
| Duluth | | 10-year term might be more | | bank deposits up to a stated |
| Fayetteville | | appropriate for someone nearing | | maximum. |
| Delray Beach | | retirement. | | |
| Hampton | | | | Brokerage Department: A department |
| Racine | | People who are trying to quit | | of an insurer whose purpose is to |
| Spokane | | smoking, for example, might be best | | deal with brokers in the placing of |
| Biloxi | | suited purchasing a shorter term (and | | insurance. |
| Amarillo | | then replacing it with a longer term | | |
| Lafayette | | policy when they qualify for | | Substandard Risk: A risk not |
| Fayetteville | | non-tobacco prices). | | measuring up to underwriting |
| Rome | | | | standards. It may still be written but |
| Sterling Heights | | At InsWeb, you can compare free | | usually at a surcharged premium. |
| Yuma | | online insurance quotes from many of | | |
| Johnson City | | the nations leading insurance | | |
| Owensboro | | companies. | | |
