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| Newport Beach | | Life insurance, specifically Term Life, | | Short Rate Premium: The premium |
| Lowell | | is arguably one of the best values in | | required for issuing a policy for a |
| Lakeland | | the entire financial services arena. | | period less than its normal term. |
| Woodbridge | | Where else can you go and get | | |
| Boca Raton | | hundreds of thousands of dollars in | | Expense Allowance: A compensation |
| West Chester | | protection for literally pennies per | | paid to an insurance agent in excess |
| Quincy | | day? Rates for Term Life insurance | | of prescribed commissions. |
| Panama City | | remain at all-time lows, and now is the | | |
| Des Moines | | time to lock in the best prices. | | Insurance to Value: Insurance written |
| Garland | | | | in an amount approximating the value |
| Owensboro | | Individuals who have 30-year | | of the property insured. |
| Mansfield | | mortgages might want to consider a | | |
| Sioux Falls | | 30-year term to ensure that the house | | Overlapping Insurance: Coverage |
| Santa Barbara | | is protected throughout the period of | | from two or more policies or insurers |
| Scranton | | the loan. | | which duplicates coverage of certain |
| Longmont | | | | risks. |
| Decatur | | Why not take advantage of current | | |
| Irving | | low prices? Many auto insurance | | Insurance Examiner: The |
| Thousand Oaks | | consumers are becoming educated | | representative of a state insurance |
| Marietta | | on other companies, plans, and rates | | department assigned to participate in |
| Pueblo | | that are available to them; ones that | | the official audit and examination of |
| Columbia | | could afford them significant savings | | an insurer. |
| Mountain View | | on their auto insurance. | | |
| Rockville | | | | Lloyd's Broker: A person who has the |
| Corona | | The quickest and easiest way to | | authority to negotiate insurance |
| Boulder | | shop for new insurance is by | | contracts with the underwriters on the |
| El Cajon | | comparing rates at InsWebs online | | floor at Lloyd's. |
| Cambridge | | marketplace. If you do it the | | |
| Delray Beach | | old-fashioned way (by calling or | | Independent Contractor: One who |
| Eugene | | visiting multiple agents or insurance | | agrees to perform according to a |
| Florence | | companies) it could take up a huge | | contract and who is not an employee. |
| Council Bluffs | | chunk of your time, which no one | | |
| Escondido | | wants or needs. By completing | | Dual Life Stock Company: A stock |
| Rome | | InsWebs online application, you will | | Life insurer issuing both participating |
| Asheville | | have rates to compare to your old | | and nonparticipating policy contracts. |
| Jonesboro | | ones within minutes! | | |
