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| Boston | | While some companies raise their | | Director of Insurance: A title used in |
| Newport Beach | | prices based on your actual age, | | some states for the head of the |
| Boston | | most companies increase the price of | | department of insurance. |
| Cherry Hill | | their policies six months before your | | |
| Flushing | | birthday. Its a term called Age | | Broker-Agent: One acting as an agent |
| Nashua | | Nearest in the industry, and that | | of one or more insurers and as a |
| Corona | | half-year price increase could really | | broker in dealing with one or more |
| Brooklyn | | add up over a 20-year term policy. As | | other insurers. |
| Wilmington | | above, the quicker you purchase your | | |
| Huntsville | | policy the better. | | Professional Insurance Agents |
| Biloxi | | | | Association: A trade association of |
| Newark | | At InsWeb, you can compare free | | mutual insurance agents. |
| Williamsburg | | online insurance quotes from many of | | |
| Pembroke Pines | | the nations leading insurance | | Liabilities: Money owed or expected |
| Cherry Hill | | companies. | | to be owed. Insurance company |
| Anderson | | | | financial statements, for instance, |
| Fort Worth | | The quickest and easiest way to | | show assets and liabilities. |
| Malden | | shop for new insurance is by | | |
| Denton | | comparing rates at InsWebs online | | Inspection: Independent checking on |
| Sumter | | marketplace. If you do it the | | facts about an applicant, |
| Wilmington | | old-fashioned way (by calling or | | policyholder, or claimant, usually by a |
| Albuquerque | | visiting multiple agents or insurance | | commercial inspection agency. |
| Newburgh | | companies) it could take up a huge | | |
| Racine | | chunk of your time, which no one | | Buy-Back" Deductible: A deductible |
| Kingsport | | wants or needs. By completing | | which may be eliminated for an |
| El Cajon | | InsWebs online application, you will | | additional premium in order to |
| Clinton Township | | have rates to compare to your old | | provide "first-dollar" coverage. |
| Santa Rosa | | ones within minutes! | | |
| Huntington Beach | | | | License: A certification of authority for |
| Akron | | Individuals who have 30-year | | an agent or insurer to operate, given |
| Shreveport | | mortgages might want to consider a | | by the appropriate jurisdiction. |
| Lawrenceville | | 30-year term to ensure that the house | | |
| Overland Park | | is protected throughout the period of | | Lapsed Policy: One which has been |
| Killeen | | the loan. | | allowed to expire because of |
| Washington | | | | nonpayment of premiums. |
