| | | | |
|
| Washington | | While some companies raise their | | Independent Contractor: One who |
| Greeley | | prices based on your actual age, | | agrees to perform according to a |
| Joliet | | most companies increase the price of | | contract and who is not an employee. |
| Santa Barbara | | their policies six months before your | | |
| Harlingen | | birthday. Its a term called Age | | Insurance Policy: The printed form |
| Stockbridge | | Nearest in the industry, and that | | which serves as the contract between |
| Boca Raton | | half-year price increase could really | | an insurer and an insured. |
| Arlington | | add up over a 20-year term policy. As | | |
| Green Bay | | above, the quicker you purchase your | | Paid-In Surplus: Surplus paid in by |
| Ogden | | policy the better. | | stockholders, as contrasted with |
| Gulfport | | | | surplus earned through the |
| Baton Rouge | | Shopping around is the best way to | | operations of a business. |
| Bakersfield | | save money on your insurance. | | |
| Cleveland | | | | Agency Contract (or Agreement): The |
| Amarillo | | Everyone has different needs, and | | document which establishes the legal |
| Santa Rosa | | not one size fits all when it comes to | | relationship between an agent and an |
| Valdosta | | term life insurance. While it may make | | insurer. |
| Newport Beach | | sense for people in their 30s and 40s | | |
| St. Joseph | | to secure a 20-year term length, a | | Nonassignable: A policy that the |
| Reno | | 10-year term might be more | | owner cannot assign to a third party. |
| Odessa | | appropriate for someone nearing | | Most policies are nonassignable |
| Union | | retirement. | | unless approval is given by the |
| Boynton Beach | | | | insurer. |
| Conroe | | At InsWeb, you can compare free | | |
| New Port Richey | | online insurance quotes from many of | | Valued: Relating to an agreement by |
| Atlanta | | the nations leading insurance | | an insurer to pay a specified amount |
| Athens | | companies. | | of money to or on behalf of the |
| Elkhart | | | | insured upon occurrence of a defined |
| Texarkana | | If you decide to cancel your policy | | loss. |
| New Port Richey | | (after acquiring new coverage) | | |
| Allentown | | outside of the 30-day period, you may | | Countersignature: The signature of a |
| Riverside | | have to pay a fee or penalty. | | licensed agent or representative on a |
| Newport Beach | | However, you may still save money | | policy. |
| Las Vegas | | after paying the fee if your new policy | | |
| Allentown | | affords you significant savings. So | | |
| Jackson | | while it is best to wait until your | | |
| Toms River | | receive your renewal notice, you CAN | | |
| South Bend | | cancel your policy at any time. | | |
