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| Delray Beach | | Individuals who have 30-year | | Preferred Risk: Any risk considered |
| Ann Arbor | | mortgages might want to consider a | | to be better than the standard risk on |
| Hemet | | 30-year term to ensure that the house | | which the premium rate was |
| Irvine | | is protected throughout the period of | | calculated. |
| Akron | | the loan. | | |
| Corpus Christi | | | | Captive Agent: One who sells |
| Evansville | | People who are trying to quit | | insurance for only one company as |
| Kansas City | | smoking, for example, might be best | | opposed to an agent who represents |
| Ann Arbor | | suited purchasing a shorter term (and | | several companies. |
| Gainesville | | then replacing it with a longer term | | |
| Birmingham | | policy when they qualify for | | Commingling: An illegal practice |
| Bakersfield | | non-tobacco prices). | | which occurs when an agent mixes |
| Decatur | | | | personal funds with the insured's or |
| Sarasota | | We offer quotes for auto insurance, | | insurer's funds. |
| Owensboro | | life insurance, homeowners | | |
| Chesapeake | | insurance, health insurance, term life | | Examiner: An employee assigned by |
| Kingsport | | insurance and more. | | the state insurance department to |
| Cedar Rapids | | | | audit insurers' records. |
| Boston | | The best time to switch policies is | | |
| Thousand Oaks | | within one month of receiving your | | Indemnity: Restoration to the victim of |
| Tacoma | | policy renewal from your current | | a loss by payment, repair, or |
| Davenport | | insurer. You can typically cancel your | | replacement. |
| Union | | policy without any fees or penalties if | | |
| Henderson | | you act within this time period. | | Agent's License: A certificate of |
| Costa Mesa | | | | authority from the state which permits |
| Boca Raton | | If you decide to cancel your policy | | the agent to conduct business. |
| Bradenton | | (after acquiring new coverage) | | |
| Mobile | | outside of the 30-day period, you may | | Accidental Bodily Injury: An injury |
| Birmingham | | have to pay a fee or penalty. | | sustained accidentally. Only the result |
| Redlands | | However, you may still save money | | need be accidental. Contrast with |
| Bronx | | after paying the fee if your new policy | | Accidental Means. |
| Canton | | affords you significant savings. So | | |
| Texarkana | | while it is best to wait until your | | Commission of Authority: A document |
| Lorain | | receive your renewal notice, you CAN | | outlining the powers delegated to an |
| Lake Worth | | cancel your policy at any time. | | agent by an insurer. |
