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| Spokane | | People who are trying to quit | | Policy Anniversary: The anniversary |
| Edmond | | smoking, for example, might be best | | of the date of issue of a policy as |
| York | | suited purchasing a shorter term (and | | shown in the policy declarations. |
| Newark | | then replacing it with a longer term | | |
| Montgomery | | policy when they qualify for | | Burning Ratio: The ratio of losses |
| Boynton Beach | | non-tobacco prices). | | suffered to the amount of insurance in |
| Tulsa | | | | effect. |
| Mountain View | | Why not take advantage of current | | |
| Greensboro | | low prices? Many auto insurance | | Malicious Mischief: Similar to |
| Oxnard | | consumers are becoming educated | | vandalism. Purposely damaging the |
| San Bernardino | | on other companies, plans, and rates | | rights or property of another. |
| North Hollywood | | that are available to them; ones that | | |
| Texarkana | | could afford them significant savings | | Deficit Carried Forward: The transfer |
| Plano | | on their auto insurance. | | of a debit balance from one |
| Miami | | | | accounting period to another. |
| Portland | | Individuals who have 30-year | | |
| Longwood | | mortgages might want to consider a | | Replacement: A new policy written to |
| St. Paul | | 30-year term to ensure that the house | | take the place of one currently in force. |
| Gainesville | | is protected throughout the period of | | |
| Belleville | | the loan. | | Short Rate Premium: The premium |
| Fresno | | | | required for issuing a policy for a |
| Norwalk | | Shopping around is the best way to | | period less than its normal term. |
| Florence | | save money on your insurance. | | |
| Minneapolis | | | | Interline Endorsement: Commercial |
| Boise | | Everyone has different needs, and | | endorsements that apply, or could |
| Sacramento | | not one size fits all when it comes to | | apply, to more than one coverage |
| Asheville | | term life insurance. While it may make | | part of a package policy. |
| Henderson | | sense for people in their 30s and 40s | | |
| Oceanside | | to secure a 20-year term length, a | | Agency Contract (or Agreement): The |
| Frederick | | 10-year term might be more | | document which establishes the legal |
| New York | | appropriate for someone nearing | | relationship between an agent and an |
| Hickory | | retirement. | | insurer. |
