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| Bay City | | Life insurance, specifically Term Life, | | Initial Premium: An amount paid at the |
| Worcester | | is arguably one of the best values in | | inception of an insurance contract, |
| Lawrenceville | | the entire financial services arena. | | usually subject to adjustment at the |
| Cedar Rapids | | Where else can you go and get | | end of the policy period. |
| Bloomington | | hundreds of thousands of dollars in | | |
| Billings | | protection for literally pennies per | | Short-Term Policy: A policy written for |
| Los Angeles | | day? Rates for Term Life insurance | | a period of less time than is normal for |
| Arlington | | remain at all-time lows, and now is the | | that type of policy. |
| Tucson | | time to lock in the best prices. | | |
| Mobile | | | | Coding: A method of putting |
| Vancouver | | Individuals who have 30-year | | information into a numerical form for |
| Akron | | mortgages might want to consider a | | statistical use. Most information on |
| Walnut Creek | | 30-year term to ensure that the house | | policies is coded and then put into |
| White Plains | | is protected throughout the period of | | reports. |
| York | | the loan. | | |
| Stockbridge | | | | Interline Endorsement: Commercial |
| Newport News | | While some companies raise their | | endorsements that apply, or could |
| Delray Beach | | prices based on your actual age, | | apply, to more than one coverage |
| Abilene | | most companies increase the price of | | part of a package policy. |
| Torrance | | their policies six months before your | | |
| Fairfax | | birthday. Its a term called Age | | Exclusions: Specific situations, |
| Salem | | Nearest in the industry, and that | | conditions, or circumstances that are |
| Shreveport | | half-year price increase could really | | listed in the contract as being not |
| Louisville | | add up over a 20-year term policy. As | | covered. |
| Oxnard | | above, the quicker you purchase your | | |
| Dubuque | | policy the better. | | Commission of Authority: A document |
| Aurora | | | | outlining the powers delegated to an |
| Lakewood | | If you decide to cancel your policy | | agent by an insurer. |
| Troy | | (after acquiring new coverage) | | |
| St. Louis | | outside of the 30-day period, you may | | Director of Insurance: A title used in |
| Berkeley | | have to pay a fee or penalty. | | some states for the head of the |
| Richmond | | However, you may still save money | | department of insurance. |
| Anderson | | after paying the fee if your new policy | | |
| Goldsboro | | affords you significant savings. So | | Fictitious Groups: Groups formed |
| Washington | | while it is best to wait until your | | primarily for the purpose of buying |
| North Hollywood | | receive your renewal notice, you CAN | | insurance. Under the law such groups |
| Huntington Beach | | cancel your policy at any time. | | may not be underwritten. |
