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| Des Moines | | Healthy people have the best | | Brokerage Department: A department |
| Mansfield | | mortality risks and thus are much | | of an insurer whose purpose is to |
| Boca Raton | | cheaper for companies to insure. This | | deal with brokers in the placing of |
| Naples | | translates into lower rates for the | | insurance. |
| Columbia | | Super Preferred customer than | | |
| Norfolk | | someone with higher risk factors such | | Independent Agent: An agent |
| Richmond | | as a heart condition, cancer or | | operating as an independent |
| Warwick | | diabetes. Conversely, if you were | | contractor under the independent |
| Warren | | unhealthy when you acquired your | | agency system. |
| Irvine | | policy, and your health has now | | |
| Birmingham | | improved, it might be time to shop for | | Standard Industry Code (SIC): This is |
| Johnstown | | a new policy, as your rates are likely | | a coding system which assigns |
| Portland | | to be lower. | | separate codes for different types of |
| Littleton | | | | industries. |
| Boynton Beach | | Shopping around is the best way to | | |
| Roanoke | | save money on your insurance. | | Expense Allowance: A compensation |
| Newark | | | | paid to an insurance agent in excess |
| St. Joseph | | Life insurance, specifically Term Life, | | of prescribed commissions. |
| Springfield | | is arguably one of the best values in | | |
| Glendale | | the entire financial services arena. | | Agency Contract (or Agreement): The |
| Aurora | | Where else can you go and get | | document which establishes the legal |
| Downey | | hundreds of thousands of dollars in | | relationship between an agent and an |
| Lowell | | protection for literally pennies per | | insurer. |
| Omaha | | day? Rates for Term Life insurance | | |
| Gainesville | | remain at all-time lows, and now is the | | Interstate Carrier: A transportation |
| Houston | | time to lock in the best prices. | | company which does business |
| Englewood | | | | across state lines. |
| Ann Arbor | | If you decide to cancel your policy | | |
| Staten Island | | (after acquiring new coverage) | | Sherman Antitrust Act: An antitrust law |
| Boulder | | outside of the 30-day period, you may | | from which insurance is exempted to |
| Williamsburg | | have to pay a fee or penalty. | | the extent that it is regulated by state |
| Lima | | However, you may still save money | | law. |
| Longwood | | after paying the fee if your new policy | | |
| Lawrenceville | | affords you significant savings. So | | Federal Deposit Insurance |
| Hemet | | while it is best to wait until your | | Corporation (FDIC): An agency of the |
| Oklahoma City | | receive your renewal notice, you CAN | | federal government which insures |
| Lima | | cancel your policy at any time. | | bank deposits up to a stated |
| Jacksonville | | | | maximum. |
