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| Bethlehem | | If you have noticed that your auto | | Retail Credit Company: The former |
| Tuscaloosa | | insurance rates are still increasing | | name of Equifax, a credit reporting |
| Nashville | | with each renewal, or even have not | | organization. See Equifax. |
| Tuscaloosa | | gone down even though you have a | | |
| Bronx | | great driving record, this lower pricing | | Underinsurance: A condition in which |
| Littleton | | trend makes it more important then | | not enough insurance is carried to |
| Dearborn | | ever that you shop around for auto | | cover the insurable value. |
| Clearwater | | insurance. | | |
| Winter Haven | | | | Burning Ratio: The ratio of losses |
| Cherry Hill | | Individuals who have 30-year | | suffered to the amount of insurance in |
| Greensboro | | mortgages might want to consider a | | effect. |
| Melbourne | | 30-year term to ensure that the house | | |
| Tampa | | is protected throughout the period of | | Gross Premium: The net premium |
| Thousand Oaks | | the loan. | | plus operating expenses, |
| Melbourne | | | | commissions and other expenses. |
| Odessa | | Life insurance, specifically Term Life, | | |
| Edison | | is arguably one of the best values in | | Paid-In Surplus: Surplus paid in by |
| Valdosta | | the entire financial services arena. | | stockholders, as contrasted with |
| Richmond | | Where else can you go and get | | surplus earned through the |
| Fremont | | hundreds of thousands of dollars in | | operations of a business. |
| Costa Mesa | | protection for literally pennies per | | |
| Warren | | day? Rates for Term Life insurance | | Authorized Insurer: An insurer |
| Tyler | | remain at all-time lows, and now is the | | authorized by the state to transact |
| Amarillo | | time to lock in the best prices. | | business in that state for specific |
| Irvine | | | | types of insurance. |
| Durham | | Everyone has different needs, and | | |
| Thousand Oaks | | not one size fits all when it comes to | | Borderline Risk: An insurance |
| Mansfield | | term life insurance. While it may make | | prospect of doubtful quality from an |
| Slidell | | sense for people in their 30s and 40s | | underwriting point of view. |
| Indianapolis | | to secure a 20-year term length, a | | |
| Oxnard | | 10-year term might be more | | Malinger: To feign a disability for the |
| Colorado Springs | | appropriate for someone nearing | | purpose of continuing to collect |
| Lake Charles | | retirement. | | benefits longer than actually |
| Denton | | | | necessary. |
