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| Odessa | | While some companies raise their | | Exclusion: A contractual provision that |
| Killeen | | prices based on your actual age, | | denies coverage for certain perils, |
| Fullerton | | most companies increase the price of | | persons, property, or locations. |
| Denver | | their policies six months before your | | |
| Huntington Beach | | birthday. Its a term called Age | | Multi-Peril Policies: Policies which |
| Seattle | | Nearest in the industry, and that | | cover a number of perils, such as fire, |
| Jersey City | | half-year price increase could really | | burglary, and liability, in a single |
| Muskegon | | add up over a 20-year term policy. As | | contract. |
| Brooklyn | | above, the quicker you purchase your | | |
| Columbus | | policy the better. | | Policy Period (or Term): The period |
| Johnstown | | | | during which the policy contract |
| Columbia | | Life insurance, specifically Term Life, | | affords protection, e.g., six months or |
| Jacksonville | | is arguably one of the best values in | | one or three years. |
| Council Bluffs | | the entire financial services arena. | | |
| Johnstown | | Where else can you go and get | | Premium Receipt: The receipt given |
| Anderson | | hundreds of thousands of dollars in | | a policy owner for the payment of a |
| Sterling Heights | | protection for literally pennies per | | premium. |
| Tallahassee | | day? Rates for Term Life insurance | | |
| Arlington | | remain at all-time lows, and now is the | | Adjustment Bureau: A firm organized |
| Lansing | | time to lock in the best prices. | | to provide adjustment services to |
| Hartford | | | | insurers not wishing to create their |
| Lawrenceville | | The quickest and easiest way to | | own claims division. |
| Chandler | | shop for new insurance is by | | |
| Fullerton | | comparing rates at InsWebs online | | Brokerage Department: A department |
| North Hollywood | | marketplace. If you do it the | | of an insurer whose purpose is to |
| Billings | | old-fashioned way (by calling or | | deal with brokers in the placing of |
| Houma | | visiting multiple agents or insurance | | insurance. |
| Long Island City | | companies) it could take up a huge | | |
| Palm Harbor | | chunk of your time, which no one | | Gross Line: The total limit accepted |
| Albany | | wants or needs. By completing | | by an insurer on an individual risk, |
| Naples | | InsWebs online application, you will | | including the amount to be reinsured. |
| Santa Monica | | have rates to compare to your old | | |
| South Bend | | ones within minutes! | | Net Interest Earned: The average |
| Yuma | | | | interest earned by an insurer on its |
| Toledo | | | | investments after investment expense |
| Tallahassee | | | | but before federal income taxes. |
