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| Rapid City | | We offer quotes for auto insurance, | | Legislative Risk: A risk faced by |
| Alpharetta | | life insurance, homeowners | | investors whereby changes in tax |
| Plano | | insurance, health insurance, term life | | laws can result in adverse effects on |
| Athens | | insurance and more. | | the individual's investment results. |
| Indianapolis | | | | |
| Coral Springs | | Individuals who have 30-year | | Exclusion: A contractual provision that |
| Ogden | | mortgages might want to consider a | | denies coverage for certain perils, |
| Bloomington | | 30-year term to ensure that the house | | persons, property, or locations. |
| Pensacola | | is protected throughout the period of | | |
| New York | | the loan. | | Premises: The particular location of |
| Cranston | | | | property or a portion thereof as |
| Long Beach | | Everyone has different needs, and | | designated in a policy. |
| Santa Monica | | not one size fits all when it comes to | | |
| Inglewood | | term life insurance. While it may make | | National Auto Theft Bureau: An |
| Anderson | | sense for people in their 30s and 40s | | organization engaged in the |
| Lawton | | to secure a 20-year term length, a | | prevention and reduction of motor |
| Glendale | | 10-year term might be more | | vehicle fire and theft losses. |
| Panama City | | appropriate for someone nearing | | |
| Lima | | retirement. | | Lloyd's Broker: A person who has the |
| Abilene | | | | authority to negotiate insurance |
| Fayetteville | | The best time to switch policies is | | contracts with the underwriters on the |
| Flushing | | within one month of receiving your | | floor at Lloyd's. |
| Pueblo | | policy renewal from your current | | |
| Downey | | insurer. You can typically cancel your | | Underwriters Laboratories, Inc. (UL): A |
| Bloomington | | policy without any fees or penalties if | | testing laboratory for manufactured |
| Alexandria | | you act within this time period. | | items to determine their safety |
| Huntington Beach | | | | propensities. |
| Savannah | | Make sure you have a new policy in | | |
| Gainesville | | place before you cancel your old one | | Policy Anniversary: The anniversary |
| Stamford | | to avoid a lapse in coverage. This will | | of the date of issue of a policy as |
| Worcester | | also prevent having to figure out the | | shown in the policy declarations. |
| Oklahoma City | | amount of any unused premium that is | | |
| Fayetteville | | due to you from your old insurance | | Mutualization: The process of |
| Newark | | company, or having to spar with your | | converting a stock insurer to a mutual |
| Bradenton | | agent about exactly when your policy | | insurer, accomplished by having the |
| Portsmouth | | was cancelled and how much they | | insurer buy stock and retire it. |
| Charleston | | owe you. | | |
