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| Yuma | | While some companies raise their | | Agency Contract (or Agreement): The |
| Anderson | | prices based on your actual age, | | document which establishes the legal |
| Naples | | most companies increase the price of | | relationship between an agent and an |
| St. Joseph | | their policies six months before your | | insurer. |
| Cape Coral | | birthday. Its a term called Age | | |
| Lancaster | | Nearest in the industry, and that | | Brokerage Business: Business |
| Council Bluffs | | half-year price increase could really | | offered to an insurer by a broker. This |
| El Paso | | add up over a 20-year term policy. As | | is sometimes called excess or |
| Spring Hill | | above, the quicker you purchase your | | surplus business. |
| Athens | | policy the better. | | |
| Naples | | | | Independent Contractor: One who |
| Athens | | We offer quotes for auto insurance, | | agrees to perform according to a |
| Miami | | life insurance, homeowners | | contract and who is not an employee. |
| Hollywood | | insurance, health insurance, term life | | |
| Aurora | | insurance and more. | | Stock Option Plan: Surviving |
| Gainesville | | | | stockholders have the option to |
| Des Moines | | People who are trying to quit | | purchase or not purchase the shares |
| Huntington | | smoking, for example, might be best | | of a deceased stockholder. |
| Little Rock | | suited purchasing a shorter term (and | | |
| White Plains | | then replacing it with a longer term | | Brokerage Department: A department |
| Sioux City | | policy when they qualify for | | of an insurer whose purpose is to |
| Warwick | | non-tobacco prices). | | deal with brokers in the placing of |
| Columbus | | | | insurance. |
| St. Paul | | Why not take advantage of current | | |
| Nashville | | low prices? Many auto insurance | | Theory of Probability: The |
| Bloomington | | consumers are becoming educated | | mathematical principle upon which |
| Dothan | | on other companies, plans, and rates | | insurance is based. |
| Lorain | | that are available to them; ones that | | |
| Escondido | | could afford them significant savings | | Leasehold: An agreement which |
| Bloomington | | on their auto insurance. | | gives a person the right to use and |
| Tempe | | | | occupy property. |
| Monroe | | Healthy people have the best | | |
| Beaumont | | mortality risks and thus are much | | Indemnify: To restore the victim of a |
| Warwick | | cheaper for companies to insure. This | | loss to the same position as before |
| Owensboro | | translates into lower rates for the | | the loss occurred. |
| Springfield | | Super Preferred customer than | | |
| Jacksonville | | someone with higher risk factors such | | |
| Bronx | | as a heart condition, cancer or | | |
| Marietta | | diabetes. Conversely, if you were | | |
| Sacramento | | unhealthy when you acquired your | | |
| Springfield | | policy, and your health has now | | |
| Birmingham | | improved, it might be time to shop for | | |
| Springfield | | a new policy, as your rates are likely | | |
| Muncie | | to be lower. | | |