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| Dayton | | At InsWeb, you can compare free | | Insurance Examiner: The |
| Glendale | | online insurance quotes from many of | | representative of a state insurance |
| Wilmington | | the nations leading insurance | | department assigned to participate in |
| Youngstown | | companies. | | the official audit and examination of |
| Hartford | | | | an insurer. |
| Anderson | | Shopping around is the best way to | | |
| Fredericksburg | | save money on your insurance. | | Building Code: This refers to |
| Bayside | | | | municipal or other governmental |
| Fairfax | | We offer quotes for auto insurance, | | ordinances regulating the type of |
| Lafayette | | life insurance, homeowners | | construction of buildings within its |
| Jackson | | insurance, health insurance, term life | | jurisdiction. |
| Abilene | | insurance and more. | | |
| Fort Worth | | | | Accidental Bodily Injury: An injury |
| Biloxi | | Make sure you have a new policy in | | sustained accidentally. Only the result |
| Silver Spring | | place before you cancel your old one | | need be accidental. Contrast with |
| Riverside | | to avoid a lapse in coverage. This will | | Accidental Means. |
| Orange Park | | also prevent having to figure out the | | |
| Wilmington | | amount of any unused premium that is | | Substandard Risk: A risk not |
| Peoria | | due to you from your old insurance | | measuring up to underwriting |
| Boca Raton | | company, or having to spar with your | | standards. It may still be written but |
| Nashville | | agent about exactly when your policy | | usually at a surcharged premium. |
| Clinton Township | | was cancelled and how much they | | |
| Greensboro | | owe you. | | Independent Agent: An agent |
| Rapid City | | | | operating as an independent |
| Lakewood | | Everyone has different needs, and | | contractor under the independent |
| Aurora | | not one size fits all when it comes to | | agency system. |
| Spartanburg | | term life insurance. While it may make | | |
| Jacksonville | | sense for people in their 30s and 40s | | Book Value: Refers to the value of |
| Panama City | | to secure a 20-year term length, a | | assets as shown in the official |
| Wilmington | | 10-year term might be more | | accounting records of the company. |
| Chicago | | appropriate for someone nearing | | |
| Newark | | retirement. | | Open Rating: A system whereby a |
| Decatur | | | | state allows an insurer to use rates |
| Columbus | | People who are trying to quit | | without prior approval. |
| Bradenton | | smoking, for example, might be best | | |
| Waco | | suited purchasing a shorter term (and | | |
| Livonia | | then replacing it with a longer term | | |
| Glendale | | policy when they qualify for | | |
| Las Cruces | | non-tobacco prices). | | |
