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| Coral Springs | | The best time to switch policies is | | Captive Agent: One who sells |
| Kansas City | | within one month of receiving your | | insurance for only one company as |
| San Diego | | policy renewal from your current | | opposed to an agent who represents |
| Pompano Beach | | insurer. You can typically cancel your | | several companies. |
| Shreveport | | policy without any fees or penalties if | | |
| Naperville | | you act within this time period. | | Absolute Assignment: Assignment by |
| Honolulu | | | | a policy owner of all control of and |
| Washington | | At InsWeb, you can compare free | | rights in the policy to a third party. |
| Beaumont | | online insurance quotes from many of | | |
| Shreveport | | the nations leading insurance | | Underwriters Laboratories, Inc. (UL): A |
| Clinton Township | | companies. | | testing laboratory for manufactured |
| Worcester | | | | items to determine their safety |
| Long Beach | | We offer quotes for auto insurance, | | propensities. |
| Santa Clara | | life insurance, homeowners | | |
| Athens | | insurance, health insurance, term life | | Other Insurance: The existence of |
| San Jose | | insurance and more. | | other contracts covering the same |
| Jonesboro | | | | interest and perils. |
| Decatur | | People who are trying to quit | | |
| Glendale | | smoking, for example, might be best | | Brokerage Department: A department |
| Detroit | | suited purchasing a shorter term (and | | of an insurer whose purpose is to |
| Scranton | | then replacing it with a longer term | | deal with brokers in the placing of |
| Richmond | | policy when they qualify for | | insurance. |
| Winter Haven | | non-tobacco prices). | | |
| Carlsbad | | | | Approved: The condition which exists |
| Canton | | Everyone has different needs, and | | when the person or object to be |
| South Bend | | not one size fits all when it comes to | | insured meets the underwriting |
| Lima | | term life insurance. While it may make | | standards of the insurer. |
| Columbia | | sense for people in their 30s and 40s | | |
| Lawton | | to secure a 20-year term length, a | | Legislative Risk: A risk faced by |
| New Port Richey | | 10-year term might be more | | investors whereby changes in tax |
| Elkhart | | appropriate for someone nearing | | laws can result in adverse effects on |
| Alpharetta | | retirement. | | the individual's investment results. |