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| Lafayette | | Shopping around is the best way to | | Lloyd's Broker: A person who has the |
| Rome | | save money on your insurance. | | authority to negotiate insurance |
| Warren | | | | contracts with the underwriters on the |
| Columbia | | Life insurance, specifically Term Life, | | floor at Lloyd's. |
| Lowell | | is arguably one of the best values in | | |
| Bloomington | | the entire financial services arena. | | Deductible: The portion of an insured |
| Tyler | | Where else can you go and get | | loss to be borne by the insured |
| Minneapolis | | hundreds of thousands of dollars in | | before he is entitled to recovery from |
| Columbia | | protection for literally pennies per | | the insurer. |
| Santa Rosa | | day? Rates for Term Life insurance | | |
| Madison | | remain at all-time lows, and now is the | | Claim Report: A report filed by an |
| Madison | | time to lock in the best prices. | | agent setting forth the facts of a claim. |
| Washington | | | | Same as Loss Report. |
| Ventura | | Why not take advantage of current | | |
| Portland | | low prices? Many auto insurance | | Sherman Antitrust Act: An antitrust law |
| Oceanside | | consumers are becoming educated | | from which insurance is exempted to |
| Anderson | | on other companies, plans, and rates | | the extent that it is regulated by state |
| Rochester | | that are available to them; ones that | | law. |
| Orange | | could afford them significant savings | | |
| Grand Rapids | | on their auto insurance. | | Monoline Policy: Any insurance |
| Brooklyn | | | | coverage written as a single line |
| Philadelphia | | Healthy people have the best | | policy. Contrast with Multiple Line or |
| St. Louis | | mortality risks and thus are much | | Package policy. |
| Mesa | | cheaper for companies to insure. This | | |
| Fort Myers | | translates into lower rates for the | | Nonadmitted Insurer: An insurer not |
| Boca Raton | | Super Preferred customer than | | licensed to do business in the |
| Santa Rosa | | someone with higher risk factors such | | jurisdiction in question. Same as |
| Honolulu | | as a heart condition, cancer or | | Unauthorized Insurer and Unlicensed |
| Minneapolis | | diabetes. Conversely, if you were | | Insurer. |
| Muskegon | | unhealthy when you acquired your | | |
| Canton | | policy, and your health has now | | Legislative Risk: A risk faced by |
| Jonesboro | | improved, it might be time to shop for | | investors whereby changes in tax |
| Macon | | a new policy, as your rates are likely | | laws can result in adverse effects on |
| Orange | | to be lower. | | the individual's investment results. |
