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| Scottsdale | | Individuals who have 30-year | | Commingling: An illegal practice |
| Lorain | | mortgages might want to consider a | | which occurs when an agent mixes |
| Odessa | | 30-year term to ensure that the house | | personal funds with the insured's or |
| Silver Spring | | is protected throughout the period of | | insurer's funds. |
| Fort Wayne | | the loan. | | |
| Bloomington | | | | Exclusion: A contractual provision that |
| Palm Harbor | | Everyone has different needs, and | | denies coverage for certain perils, |
| Sioux Falls | | not one size fits all when it comes to | | persons, property, or locations. |
| Bethlehem | | term life insurance. While it may make | | |
| New York | | sense for people in their 30s and 40s | | Captive Agent: One who sells |
| Fort Collins | | to secure a 20-year term length, a | | insurance for only one company as |
| West Chester | | 10-year term might be more | | opposed to an agent who represents |
| Clarksville | | appropriate for someone nearing | | several companies. |
| Independence | | retirement. | | |
| Vancouver | | | | Monoline Policy: Any insurance |
| Westbury | | Why not take advantage of current | | coverage written as a single line |
| Williamsport | | low prices? Many auto insurance | | policy. Contrast with Multiple Line or |
| Springfield | | consumers are becoming educated | | Package policy. |
| Santa Clara | | on other companies, plans, and rates | | |
| Orange Park | | that are available to them; ones that | | Submitted Business: Applications for |
| White Plains | | could afford them significant savings | | insurance submitted to an insurer but |
| Jacksonville | | on their auto insurance. | | not yet acted upon by it. |
