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| El Cajon | | Make sure you have a new policy in | | Short Rate Premium: The premium |
| Schenectady | | place before you cancel your old one | | required for issuing a policy for a |
| Albany | | to avoid a lapse in coverage. This will | | period less than its normal term. |
| San Bernardino | | also prevent having to figure out the | | |
| San Jose | | amount of any unused premium that is | | War Risk Insurance: Insurance |
| Valdosta | | due to you from your old insurance | | covering damage caused by war. |
| Lafayette | | company, or having to spar with your | | Most often written by Ocean Marine |
| Lowell | | agent about exactly when your policy | | Insurance companies covering |
| Houston | | was cancelled and how much they | | vessels. |
| Fort Myers | | owe you. | | |
| Anderson | | | | Deductible: The portion of an insured |
| Redlands | | The quickest and easiest way to | | loss to be borne by the insured |
| Valdosta | | shop for new insurance is by | | before he is entitled to recovery from |
| Las Vegas | | comparing rates at InsWebs online | | the insurer. |
| Muskegon | | marketplace. If you do it the | | |
| Kalamazoo | | old-fashioned way (by calling or | | Director of Insurance: A title used in |
| Westbury | | visiting multiple agents or insurance | | some states for the head of the |
| Eugene | | companies) it could take up a huge | | department of insurance. |
| Honolulu | | chunk of your time, which no one | | |
| Anderson | | wants or needs. By completing | | Agent's License: A certificate of |
| Fort Smith | | InsWebs online application, you will | | authority from the state which permits |
| Lancaster | | have rates to compare to your old | | the agent to conduct business. |
| Irving | | ones within minutes! | | |
| Englewood | | | | Initial Premium: An amount paid at the |
| Midland | | Life insurance, specifically Term Life, | | inception of an insurance contract, |
| Beaumont | | is arguably one of the best values in | | usually subject to adjustment at the |
| Tuscaloosa | | the entire financial services arena. | | end of the policy period. |
| Mesquite | | Where else can you go and get | | |
| Phoenix | | hundreds of thousands of dollars in | | Open Rating: A system whereby a |
| Des Moines | | protection for literally pennies per | | state allows an insurer to use rates |
| Albany | | day? Rates for Term Life insurance | | without prior approval. |
| Boulder | | remain at all-time lows, and now is the | | |
| Honolulu | | time to lock in the best prices. | | Insurance Policy: The printed form |
| Sarasota | | | | which serves as the contract between |
| Kansas City | | | | an insurer and an insured. |
