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| Orange Park | | We offer quotes for auto insurance, | | Capital Sum: The maximum lump sum |
| Chesapeake | | life insurance, homeowners | | payable in the event of accidental |
| Providence | | insurance, health insurance, term life | | death or dismemberment. |
| Oklahoma City | | insurance and more. | | |
| Melbourne | | | | Tariff Rate: A rate established by a |
| Ocala | | Shopping around is the best way to | | rating organization, which comes from |
| Kalamazoo | | save money on your insurance. | | the tables, schedules and rules found |
| Montgomery | | | | in the tariff of rates. |
| Goldsboro | | The best time to switch policies is | | |
| Baton Rouge | | within one month of receiving your | | Policy Anniversary: The anniversary |
| Sarasota | | policy renewal from your current | | of the date of issue of a policy as |
| Bethlehem | | insurer. You can typically cancel your | | shown in the policy declarations. |
| Hickory | | policy without any fees or penalties if | | |
| North Hollywood | | you act within this time period. | | Substandard Risk: A risk not |
| Stockbridge | | | | measuring up to underwriting |
| Palm Desert | | While some companies raise their | | standards. It may still be written but |
| New Orleans | | prices based on your actual age, | | usually at a surcharged premium. |
| Indianapolis | | most companies increase the price of | | |
| New Port Richey | | their policies six months before your | | Appraisal: An evaluation of property |
| Owensboro | | birthday. Its a term called Age | | made to ascertain either the |
| Richmond | | Nearest in the industry, and that | | appropriate amount of insurance to |
| Owensboro | | half-year price increase could really | | be written or the amount of loss to be |
| Albany | | add up over a 20-year term policy. As | | paid. |
| Jacksonville | | above, the quicker you purchase your | | |
| Springfield | | policy the better. | | Underwriters Laboratories, Inc. (UL): A |
| Fort Myers | | | | testing laboratory for manufactured |
| Portsmouth | | Everyone has different needs, and | | items to determine their safety |
| Billings | | not one size fits all when it comes to | | propensities. |
| Naperville | | term life insurance. While it may make | | |
| Newark | | sense for people in their 30s and 40s | | Amendment: A formal document |
| Rockville | | to secure a 20-year term length, a | | which corrects or revises an |
| Philadelphia | | 10-year term might be more | | insurance master policy. |
| Saginaw | | appropriate for someone nearing | | |
| Salt Lake City | | retirement. | | Business: In Property, Liability, and |
| Hendersonville | | | | Health lines, it usually refers to the |
| Racine | | | | volume of premiums. |
