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| Evanston | | Individuals who have 30-year | | Adjustment Bureau: A firm organized |
| Florence | | mortgages might want to consider a | | to provide adjustment services to |
| Daytona Beach | | 30-year term to ensure that the house | | insurers not wishing to create their |
| Livonia | | is protected throughout the period of | | own claims division. |
| Fort Worth | | the loan. | | |
| Springfield | | | | Exclusion: A contractual provision that |
| Knoxville | | Make sure you have a new policy in | | denies coverage for certain perils, |
| Spring Hill | | place before you cancel your old one | | persons, property, or locations. |
| El Cajon | | to avoid a lapse in coverage. This will | | |
| Billings | | also prevent having to figure out the | | Calendar Year Experience: This |
| Bellevue | | amount of any unused premium that is | | measures the premiums and losses |
| Malden | | due to you from your old insurance | | entered on accounting records during |
| Waterloo | | company, or having to spar with your | | the 12-month calendar. |
| Topeka | | agent about exactly when your policy | | |
| Gulfport | | was cancelled and how much they | | Approved: The condition which exists |
| Cranston | | owe you. | | when the person or object to be |
| Fort Collins | | | | insured meets the underwriting |
| Warren | | The best time to switch policies is | | standards of the insurer. |
| Tulsa | | within one month of receiving your | | |
| Goldsboro | | policy renewal from your current | | Domestic Insurer (or Company): An |
| Lake Worth | | insurer. You can typically cancel your | | insurer formed under the laws of the |
| Frederick | | policy without any fees or penalties if | | state in which the insurance is written. |
| Duluth | | you act within this time period. | | |
| Malden | | | | Federal Deposit Insurance |
| Conroe | | Life insurance, specifically Term Life, | | Corporation (FDIC): An agency of the |
| Louisville | | is arguably one of the best values in | | federal government which insures |
| Washington | | the entire financial services arena. | | bank deposits up to a stated |
| Goldsboro | | Where else can you go and get | | maximum. |
| Worcester | | hundreds of thousands of dollars in | | |
| Sarasota | | protection for literally pennies per | | Gross Line: The total limit accepted |
| Memphis | | day? Rates for Term Life insurance | | by an insurer on an individual risk, |
| Mansfield | | remain at all-time lows, and now is the | | including the amount to be reinsured. |
| Durham | | time to lock in the best prices. | | |
| Fairfax | | | | Brick Veneer Construction: Refers to |
| Alexandria | | | | a building where the outside walls are |
| Kansas City | | | | constructed of wood with a facing of a |
| Fort Smith | | | | single layer of brick. |
