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| Anderson | | Healthy people have the best | | Adjustment Bureau: A firm organized |
| Canton | | mortality risks and thus are much | | to provide adjustment services to |
| Trenton | | cheaper for companies to insure. This | | insurers not wishing to create their |
| White Plains | | translates into lower rates for the | | own claims division. |
| Independence | | Super Preferred customer than | | |
| Stuart | | someone with higher risk factors such | | Amendment: A formal document |
| Knoxville | | as a heart condition, cancer or | | which corrects or revises an |
| Rome | | diabetes. Conversely, if you were | | insurance master policy. |
| Nashville | | unhealthy when you acquired your | | |
| Rockford | | policy, and your health has now | | Borderline Risk: An insurance |
| Killeen | | improved, it might be time to shop for | | prospect of doubtful quality from an |
| Texarkana | | a new policy, as your rates are likely | | underwriting point of view. |
| Jacksonville | | to be lower. | | |
| Winter Haven | | | | Independent Agent: An agent |
| Stamford | | At InsWeb, you can compare free | | operating as an independent |
| Morristown | | online insurance quotes from many of | | contractor under the independent |
| Edison | | the nations leading insurance | | agency system. |
| Springfield | | companies. | | |
| Palm Desert | | | | Policy Period (or Term): The period |
| Albuquerque | | The quickest and easiest way to | | during which the policy contract |
| Amarillo | | shop for new insurance is by | | affords protection, e.g., six months or |
| Shreveport | | comparing rates at InsWebs online | | one or three years. |
| Ogden | | marketplace. If you do it the | | |
| Orange | | old-fashioned way (by calling or | | Independent Contractor: One who |
| Cranston | | visiting multiple agents or insurance | | agrees to perform according to a |
| Troy | | companies) it could take up a huge | | contract and who is not an employee. |
| Lubbock | | chunk of your time, which no one | | |
| Vero Beach | | wants or needs. By completing | | Commission of Authority: A document |
| St. Joseph | | InsWebs online application, you will | | outlining the powers delegated to an |
| Cincinnati | | have rates to compare to your old | | agent by an insurer. |
| Vineland | | ones within minutes! | | |
| Scranton | | | | Fictitious Groups: Groups formed |
| Palo Alto | | Life insurance, specifically Term Life, | | primarily for the purpose of buying |
| Ann Arbor | | is arguably one of the best values in | | insurance. Under the law such groups |
| Columbia | | the entire financial services arena. | | may not be underwritten. |
| Hendersonville | | Where else can you go and get | | |
| Philadelphia | | hundreds of thousands of dollars in | | |
| South Bend | | protection for literally pennies per | | |
| Malden | | day? Rates for Term Life insurance | | |
| Saginaw | | remain at all-time lows, and now is the | | |
| Alexandria | | time to lock in the best prices. | | |
