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| Bloomington | | Why not take advantage of current | | Deflation: An economic period |
| Columbia | | low prices? Many auto insurance | | characterized by falling prices, high |
| Venice | | consumers are becoming educated | | unemployment and a generally |
| Anchorage | | on other companies, plans, and rates | | sluggish or slow economy. |
| Fayetteville | | that are available to them; ones that | | |
| Portland | | could afford them significant savings | | FICA. Federal Insurance Contributions |
| Baltimore | | on their auto insurance. | | Act: A law imposing a payroll tax to |
| San Antonio | | | | assist in funding Social Security |
| Erie | | While some companies raise their | | benefits. |
| Quincy | | prices based on your actual age, | | |
| Silver Spring | | most companies increase the price of | | Net Loss: The amount of loss |
| Burbank | | their policies six months before your | | sustained by an insurer after giving |
| Boise | | birthday. Its a term called Age | | effect to all applicable reinsurance, |
| Spartanburg | | Nearest in the industry, and that | | salvage, and subrogation recoveries. |
| Santa Barbara | | half-year price increase could really | | |
| Newark | | add up over a 20-year term policy. As | | Accident: An unplanned event, |
| Charleston | | above, the quicker you purchase your | | unexpected and undesigned, which |
| Rapid City | | policy the better. | | occurs suddenly and at a definite |
| Duluth | | | | place. |
| Daytona Beach | | Make sure you have a new policy in | | |
| Springfield | | place before you cancel your old one | | New For Old: Replacing old |
| Lake Charles | | to avoid a lapse in coverage. This will | | damaged parts or equipment with |
| Brooklyn | | also prevent having to figure out the | | new ones rather than repairing them. |
| Bloomington | | amount of any unused premium that is | | |
| Chesapeake | | due to you from your old insurance | | Tickler: A reminder system used to |
| Malden | | company, or having to spar with your | | call an individual's attention to actions |
| Acworth | | agent about exactly when your policy | | that must be taken at a future point in |
| Hot Springs | | was cancelled and how much they | | time. |
| Cape Coral | | owe you. | | |
| Youngstown | | | | Short Rate Premium: The premium |
| Flint | | Life insurance, specifically Term Life, | | required for issuing a policy for a |
| Dearborn | | is arguably one of the best values in | | period less than its normal term. |
| Arlington | | the entire financial services arena. | | |
| Coral Springs | | Where else can you go and get | | Gross Line: The total limit accepted |
| Flint | | hundreds of thousands of dollars in | | by an insurer on an individual risk, |
| Glendale | | protection for literally pennies per | | including the amount to be reinsured. |
| Milwaukee | | day? Rates for Term Life insurance | | |
| Santa Rosa | | remain at all-time lows, and now is the | | |
| Louisville | | time to lock in the best prices. | | |
