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| Odessa | | At InsWeb, you can compare free | | Appraisal: An evaluation of property |
| Gulfport | | online insurance quotes from many of | | made to ascertain either the |
| Manchester | | the nations leading insurance | | appropriate amount of insurance to |
| Manchester | | companies. | | be written or the amount of loss to be |
| Atlanta | | | | paid. |
| Norfolk | | Life insurance, specifically Term Life, | | |
| Overland Park | | is arguably one of the best values in | | Accident: An unplanned event, |
| Minneapolis | | the entire financial services arena. | | unexpected and undesigned, which |
| Mobile | | Where else can you go and get | | occurs suddenly and at a definite |
| Warwick | | hundreds of thousands of dollars in | | place. |
| Fall River | | protection for literally pennies per | | |
| Savannah | | day? Rates for Term Life insurance | | Valued: Relating to an agreement by |
| Mansfield | | remain at all-time lows, and now is the | | an insurer to pay a specified amount |
| Yuma | | time to lock in the best prices. | | of money to or on behalf of the |
| Shreveport | | | | insured upon occurrence of a defined |
| Anderson | | Healthy people have the best | | loss. |
| Bradenton | | mortality risks and thus are much | | |
| Stockton | | cheaper for companies to insure. This | | Cut Rate: This term generally applies |
| Fort Lauderdale | | translates into lower rates for the | | to insurance companies who charge |
| Duluth | | Super Preferred customer than | | premiums below a normal or average |
| Allentown | | someone with higher risk factors such | | rate. |
| Lake Worth | | as a heart condition, cancer or | | |
| Kansas City | | diabetes. Conversely, if you were | | Operating Expense: The expense of |
| Greenville | | unhealthy when you acquired your | | an insurer other than commissions |
| Boston | | policy, and your health has now | | and taxes. Called " and Insurance |
| Fresno | | improved, it might be time to shop for | | Expense" in the convention statement |
| Bronx | | a new policy, as your rates are likely | | blank. |
| Kalamazoo | | to be lower. | | |
| Portland | | | | Gross Premium: The net premium |
| Lafayette | | While some companies raise their | | plus operating expenses, |
| Phoenix | | prices based on your actual age, | | commissions and other expenses. |
| Bayside | | most companies increase the price of | | |
| Long Beach | | their policies six months before your | | Partial Loss: A loss covered by an |
| Sioux City | | birthday. Its a term called Age | | insurance policy which does not |
| Palm Harbor | | Nearest in the industry, and that | | completely destroy or render |
| Anderson | | half-year price increase could really | | worthless the insured property. |
| Venice | | add up over a 20-year term policy. As | | |
| Sioux Falls | | above, the quicker you purchase your | | |
| Rome | | policy the better. | | |
