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| Chula Vista | | Individuals who have 30-year | | Endorsement: A written or printed form |
| Lancaster | | mortgages might want to consider a | | attached to the policy which alters |
| Chesapeake | | 30-year term to ensure that the house | | provisions of the contract. |
| South Bend | | is protected throughout the period of | | |
| Boynton Beach | | the loan. | | Broker of Record: A broker who has |
| Columbia | | | | been designated to handle certain |
| Macon | | The best time to switch policies is | | insurance contracts for the |
| Grand Junction | | within one month of receiving your | | policyholder. |
| Lorain | | policy renewal from your current | | |
| Columbia | | insurer. You can typically cancel your | | Agent's Qualification Law: Education, |
| El Cajon | | policy without any fees or penalties if | | experience, and other requirements |
| Slidell | | you act within this time period. | | imposed by the state upon persons |
| San Francisco | | | | desiring to be licensed as agents. |
| Grand Junction | | The quickest and easiest way to | | |
| Ogden | | shop for new insurance is by | | Authorized Insurer: An insurer |
| Beaumont | | comparing rates at InsWebs online | | authorized by the state to transact |
| Arlington | | marketplace. If you do it the | | business in that state for specific |
| Baton Rouge | | old-fashioned way (by calling or | | types of insurance. |
| Phoenix | | visiting multiple agents or insurance | | |
| Warren | | companies) it could take up a huge | | Buy-Back" Deductible: A deductible |
| Florence | | chunk of your time, which no one | | which may be eliminated for an |
| Manchester | | wants or needs. By completing | | additional premium in order to |
| Athens | | InsWebs online application, you will | | provide "first-dollar" coverage. |
| Birmingham | | have rates to compare to your old | | |
| Boynton Beach | | ones within minutes! | | Leasehold: An agreement which |
| Winter Park | | | | gives a person the right to use and |
| Duluth | | Everyone has different needs, and | | occupy property. |
| Bronx | | not one size fits all when it comes to | | |
| Bronx | | term life insurance. While it may make | | Depreciation: A decrease in the value |
| Dubuque | | sense for people in their 30s and 40s | | of any type of tangible property over |
| Chesapeake | | to secure a 20-year term length, a | | a period of time resulting from use, |
| Houston | | 10-year term might be more | | wear and tear, or obsolescence. |
| Des Moines | | appropriate for someone nearing | | |
| Huntington | | retirement. | | Substandard Risk: A risk not |
| Waco | | | | measuring up to underwriting |
| Harrisburg | | | | standards. It may still be written but |
| Nashua | | | | usually at a surcharged premium. |
