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| Waco | | While some companies raise their | | Basic Rate: The manual rate from |
| Louisville | | prices based on your actual age, | | which discounts are taken or to which |
| Lawton | | most companies increase the price of | | charges are added to reflect the |
| Huntsville | | their policies six months before your | | individual circumstances of a risk. |
| Baltimore | | birthday. Its a term called Age | | |
| Fort Worth | | Nearest in the industry, and that | | Exclusion: A contractual provision that |
| Palm Harbor | | half-year price increase could really | | denies coverage for certain perils, |
| Houston | | add up over a 20-year term policy. As | | persons, property, or locations. |
| Bayside | | above, the quicker you purchase your | | |
| Omaha | | policy the better. | | Tabular Plan: A retrospective rating |
| Malden | | | | plan, which uses tables to furnish the |
| Wichita Falls | | The quickest and easiest way to | | various values for the rating formula. |
| Greensboro | | shop for new insurance is by | | |
| Warren | | comparing rates at InsWebs online | | Standard Industry Code (SIC): This is |
| Chesapeake | | marketplace. If you do it the | | a coding system which assigns |
| Yuma | | old-fashioned way (by calling or | | separate codes for different types of |
| Las Vegas | | visiting multiple agents or insurance | | industries. |
| Palm Harbor | | companies) it could take up a huge | | |
| Tallahassee | | chunk of your time, which no one | | Index Bureau Experience: A measure |
| Colorado Springs | | wants or needs. By completing | | of losses relating to claims reported |
| Anderson | | InsWebs online application, you will | | through a claim office during a |
| Evansville | | have rates to compare to your old | | 12-month period. |
| Livonia | | ones within minutes! | | |
| Grand Junction | | | | Preferred Risk: Any risk considered |
| Portland | | Life insurance, specifically Term Life, | | to be better than the standard risk on |
| Kansas City | | is arguably one of the best values in | | which the premium rate was |
| Rapid City | | the entire financial services arena. | | calculated. |
| Evanston | | Where else can you go and get | | |
| Las Cruces | | hundreds of thousands of dollars in | | Approved Roof: A term used in |
| Lexington | | protection for literally pennies per | | building construction. It indicates a |
| Fullerton | | day? Rates for Term Life insurance | | roof made of fire-resistive materials, |
| Denton | | remain at all-time lows, and now is the | | such as tile or asphalt shingles. |
| Fall River | | time to lock in the best prices. | | |
| Nashua | | | | Indemnify: To restore the victim of a |
| Louisville | | | | loss to the same position as before |
| Ogden | | | | the loss occurred. |
