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| Pasadena | | Shopping around is the best way to | | Nonassignable: A policy that the |
| New York | | save money on your insurance. | | owner cannot assign to a third party. |
| Whittier | | | | Most policies are nonassignable |
| Lansing | | Make sure you have a new policy in | | unless approval is given by the |
| Miami | | place before you cancel your old one | | insurer. |
| Phoenix | | to avoid a lapse in coverage. This will | | |
| Texarkana | | also prevent having to figure out the | | Commission of Authority: A document |
| Oceanside | | amount of any unused premium that is | | outlining the powers delegated to an |
| Greeley | | due to you from your old insurance | | agent by an insurer. |
| Lorain | | company, or having to spar with your | | |
| Troy | | agent about exactly when your policy | | Policy Period (or Term): The period |
| Killeen | | was cancelled and how much they | | during which the policy contract |
| Rapid City | | owe you. | | affords protection, e.g., six months or |
| Hot Springs | | | | one or three years. |
| St. Louis | | Everyone has different needs, and | | |
| Lincoln | | not one size fits all when it comes to | | Preferred Risk: Any risk considered |
| Walnut Creek | | term life insurance. While it may make | | to be better than the standard risk on |
| Amarillo | | sense for people in their 30s and 40s | | which the premium rate was |
| Sioux Falls | | to secure a 20-year term length, a | | calculated. |
| Englewood | | 10-year term might be more | | |
| Corpus Christi | | appropriate for someone nearing | | Lapsed Policy: One which has been |
| Tyler | | retirement. | | allowed to expire because of |
| Rome | | | | nonpayment of premiums. |
| Cedar Rapids | | If you have noticed that your auto | | |
| Scranton | | insurance rates are still increasing | | Adjustment Bureau: A firm organized |
| Berkeley | | with each renewal, or even have not | | to provide adjustment services to |
| Muskegon | | gone down even though you have a | | insurers not wishing to create their |
| Modesto | | great driving record, this lower pricing | | own claims division. |
| Boise | | trend makes it more important then | | |
| Sioux Falls | | ever that you shop around for auto | | Losses Outstanding: A summary |
| Warren | | insurance. | | statement prepared by Property, Life, |
| Texarkana | | | | and Liability insurers showing claims |
| Fullerton | | Life insurance, specifically Term Life, | | not yet settled. |
| Spokane | | is arguably one of the best values in | | |
| Belleville | | the entire financial services arena. | | |
| Houma | | Where else can you go and get | | |
| Fort Lauderdale | | hundreds of thousands of dollars in | | |
| Duluth | | protection for literally pennies per | | |
| Bay City | | day? Rates for Term Life insurance | | |
| Mesquite | | remain at all-time lows, and now is the | | |
| Savannah | | time to lock in the best prices. | | |
