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| Jacksonville | | Life insurance, specifically Term Life, | | Submitted Business: Applications for |
| Sunnyvale | | is arguably one of the best values in | | insurance submitted to an insurer but |
| Arlington | | the entire financial services arena. | | not yet acted upon by it. |
| Norwalk | | Where else can you go and get | | |
| Billings | | hundreds of thousands of dollars in | | Brokerage Department: A department |
| Panama City | | protection for literally pennies per | | of an insurer whose purpose is to |
| Pompano Beach | | day? Rates for Term Life insurance | | deal with brokers in the placing of |
| Worcester | | remain at all-time lows, and now is the | | insurance. |
| Tampa | | time to lock in the best prices. | | |
| Frederick | | | | Business: In Property, Liability, and |
| Elkhart | | While some companies raise their | | Health lines, it usually refers to the |
| Brooklyn | | prices based on your actual age, | | volume of premiums. |
| Palm Harbor | | most companies increase the price of | | |
| North Hollywood | | their policies six months before your | | Net Loss: The amount of loss |
| Gulfport | | birthday. Its a term called Age | | sustained by an insurer after giving |
| Fall River | | Nearest in the industry, and that | | effect to all applicable reinsurance, |
| South Bend | | half-year price increase could really | | salvage, and subrogation recoveries. |
| Dallas | | add up over a 20-year term policy. As | | |
| Pueblo | | above, the quicker you purchase your | | Agent's License: A certificate of |
| Frederick | | policy the better. | | authority from the state which permits |
| Fayetteville | | | | the agent to conduct business. |
| Decatur | | If you have noticed that your auto | | |
| Peoria | | insurance rates are still increasing | | Commission of Authority: A document |
| Modesto | | with each renewal, or even have not | | outlining the powers delegated to an |
| White Plains | | gone down even though you have a | | agent by an insurer. |
| Council Bluffs | | great driving record, this lower pricing | | |
| Yonkers | | trend makes it more important then | | Commercial Lines: This term is used |
| St. Louis | | ever that you shop around for auto | | to refer to insurance for businesses, |
| Mesquite | | insurance. | | professionals, and commercial |
| Spartanburg | | | | establishments. |
| Midland | | Make sure you have a new policy in | | |
| Johnstown | | place before you cancel your old one | | Adjustment Bureau: A firm organized |
| Greenville | | to avoid a lapse in coverage. This will | | to provide adjustment services to |
| Rochester | | also prevent having to figure out the | | insurers not wishing to create their |
| Jacksonville | | amount of any unused premium that is | | own claims division. |
| Oakland | | due to you from your old insurance | | |
| Williamsport | | company, or having to spar with your | | |
| Des Moines | | agent about exactly when your policy | | |
| Oxnard | | was cancelled and how much they | | |
| Wilmington | | owe you. | | |
