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| Irvine | | Everyone has different needs, and | | Borderline Risk: An insurance |
| Owensboro | | not one size fits all when it comes to | | prospect of doubtful quality from an |
| Trenton | | term life insurance. While it may make | | underwriting point of view. |
| Elkhart | | sense for people in their 30s and 40s | | |
| Winter Park | | to secure a 20-year term length, a | | Dual Life Stock Company: A stock |
| Newburgh | | 10-year term might be more | | Life insurer issuing both participating |
| Tacoma | | appropriate for someone nearing | | and nonparticipating policy contracts. |
| Columbia | | retirement. | | |
| Dearborn | | | | Broker-Agent: One acting as an agent |
| Tampa | | Why not take advantage of current | | of one or more insurers and as a |
| Hartford | | low prices? Many auto insurance | | broker in dealing with one or more |
| Malden | | consumers are becoming educated | | other insurers. |
| Palm Desert | | on other companies, plans, and rates | | |
| Lawrenceville | | that are available to them; ones that | | Partial Loss: A loss covered by an |
| Boulder | | could afford them significant savings | | insurance policy which does not |
| Cypress | | on their auto insurance. | | completely destroy or render |
| Stuart | | | | worthless the insured property. |
| Redlands | | Individuals who have 30-year | | |
| Jonesboro | | mortgages might want to consider a | | Agency Contract (or Agreement): The |
| Little Rock | | 30-year term to ensure that the house | | document which establishes the legal |
| Pensacola | | is protected throughout the period of | | relationship between an agent and an |
| Evanston | | the loan. | | insurer. |
