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| Dayton | | People who are trying to quit | | Substandard Risk: A risk not |
| Fayetteville | | smoking, for example, might be best | | measuring up to underwriting |
| Texarkana | | suited purchasing a shorter term (and | | standards. It may still be written but |
| Winter Haven | | then replacing it with a longer term | | usually at a surcharged premium. |
| Rockville | | policy when they qualify for | | |
| Mountain View | | non-tobacco prices). | | Expense Allowance: A compensation |
| Newport Beach | | | | paid to an insurance agent in excess |
| Orlando | | Healthy people have the best | | of prescribed commissions. |
| Norwalk | | mortality risks and thus are much | | |
| Boulder | | cheaper for companies to insure. This | | Premium Notice: A form notice from |
| Gaithersburg | | translates into lower rates for the | | an insurer or agency to a policy |
| Hattiesburg | | Super Preferred customer than | | owner that a premium will be due on a |
| Independence | | someone with higher risk factors such | | given date. |
| Lakeland | | as a heart condition, cancer or | | |
| Sterling Heights | | diabetes. Conversely, if you were | | Independent Agent: An agent |
| Hemet | | unhealthy when you acquired your | | operating as an independent |
| Columbia | | policy, and your health has now | | contractor under the independent |
| Trenton | | improved, it might be time to shop for | | agency system. |
| Fort Collins | | a new policy, as your rates are likely | | |
| Albany | | to be lower. | | Independent Contractor: One who |
| Boca Raton | | | | agrees to perform according to a |
| Hattiesburg | | Everyone has different needs, and | | contract and who is not an employee. |
| Portsmouth | | not one size fits all when it comes to | | |
| Decatur | | term life insurance. While it may make | | Underinsurance: A condition in which |
| Honolulu | | sense for people in their 30s and 40s | | not enough insurance is carried to |
| Portland | | to secure a 20-year term length, a | | cover the insurable value. |
| Philadelphia | | 10-year term might be more | | |
| Quincy | | appropriate for someone nearing | | Brokerage Department: A department |
| Anaheim | | retirement. | | of an insurer whose purpose is to |
| San Francisco | | | | deal with brokers in the placing of |
| Florence | | At InsWeb, you can compare free | | insurance. |
| Malden | | online insurance quotes from many of | | |
| Waco | | the nations leading insurance | | Agent's License: A certificate of |
| Zanesville | | companies. | | authority from the state which permits |
| Tuscaloosa | | | | the agent to conduct business. |
