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| Portsmouth | | While some companies raise their | | Endorsement: A written or printed form |
| San Francisco | | prices based on your actual age, | | attached to the policy which alters |
| Lawrenceville | | most companies increase the price of | | provisions of the contract. |
| Ann Arbor | | their policies six months before your | | |
| Jasper | | birthday. Its a term called Age | | Agent's Balance: A periodic |
| Littleton | | Nearest in the industry, and that | | statement of the sums due and owed |
| South Bend | | half-year price increase could really | | to an agent under the agent's contract |
| Overland Park | | add up over a 20-year term policy. As | | with an insurer. |
| Honolulu | | above, the quicker you purchase your | | |
| Olympia | | policy the better. | | Professional Insurance Agents |
| Irvine | | | | Association: A trade association of |
| Clarksville | | We offer quotes for auto insurance, | | mutual insurance agents. |
| Gainesville | | life insurance, homeowners | | |
| Spokane | | insurance, health insurance, term life | | Calendar Year Experience: This |
| New York | | insurance and more. | | measures the premiums and losses |
| Torrance | | | | entered on accounting records during |
| Tacoma | | If you have noticed that your auto | | the 12-month calendar. |
| Wilmington | | insurance rates are still increasing | | |
| Fullerton | | with each renewal, or even have not | | Losses Outstanding: A summary |
| Fort Worth | | gone down even though you have a | | statement prepared by Property, Life, |
| Cambridge | | great driving record, this lower pricing | | and Liability insurers showing claims |
| Youngstown | | trend makes it more important then | | not yet settled. |
| Hartford | | ever that you shop around for auto | | |
| Johnstown | | insurance. | | Loss Frequency: The number of times |
| Quincy | | | | a loss occurs over a specific period |
| Ocala | | Life insurance, specifically Term Life, | | of time. |
| Knoxville | | is arguably one of the best values in | | |
| Williamsport | | the entire financial services arena. | | Coding: A method of putting |
| Dallas | | Where else can you go and get | | information into a numerical form for |
| Biloxi | | hundreds of thousands of dollars in | | statistical use. Most information on |
| Owensboro | | protection for literally pennies per | | policies is coded and then put into |
| Los Angeles | | day? Rates for Term Life insurance | | reports. |
| Henderson | | remain at all-time lows, and now is the | | |
| Salem | | time to lock in the best prices. | | Gain and Loss Exhibit: The portion of |
| Portland | | | | the convention blank which |
| Melbourne | | | | represents an analysis of gains, |
| Lafayette | | | | losses, and surplus during an |
| Williamsburg | | | | accounting period. |
