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| Yuma | | Life insurance, specifically Term Life, | | Submitted Business: Applications for |
| Henderson | | is arguably one of the best values in | | insurance submitted to an insurer but |
| Albuquerque | | the entire financial services arena. | | not yet acted upon by it. |
| Rockford | | Where else can you go and get | | |
| Chandler | | hundreds of thousands of dollars in | | Criticism: A correction suggested by a |
| Poughkeepsie | | protection for literally pennies per | | rating or auditing bureau to an insurer. |
| Akron | | day? Rates for Term Life insurance | | |
| Kalamazoo | | remain at all-time lows, and now is the | | Lapsed Policy: One which has been |
| Longview | | time to lock in the best prices. | | allowed to expire because of |
| New York | | | | nonpayment of premiums. |
| Albuquerque | | If you have noticed that your auto | | |
| Sumter | | insurance rates are still increasing | | Expense Allowance: A compensation |
| Mesa | | with each renewal, or even have not | | paid to an insurance agent in excess |
| Buffalo | | gone down even though you have a | | of prescribed commissions. |
| Malden | | great driving record, this lower pricing | | |
| Fremont | | trend makes it more important then | | Independent Agent: An agent |
| Lafayette | | ever that you shop around for auto | | operating as an independent |
| West Palm Beach | | insurance. | | contractor under the independent |
| Newark | | | | agency system. |
| Conroe | | Individuals who have 30-year | | |
| Hampton | | mortgages might want to consider a | | Loss Frequency: The number of times |
| Decatur | | 30-year term to ensure that the house | | a loss occurs over a specific period |
| Morristown | | is protected throughout the period of | | of time. |
| Greenville | | the loan. | | |
| Spokane | | | | Federal Deposit Insurance |
| Austin | | People who are trying to quit | | Corporation (FDIC): An agency of the |
| Boise | | smoking, for example, might be best | | federal government which insures |
| Union | | suited purchasing a shorter term (and | | bank deposits up to a stated |
| Anaheim | | then replacing it with a longer term | | maximum. |
| Huntington | | policy when they qualify for | | |
| Omaha | | non-tobacco prices). | | Operating Expense: The expense of |
| Irving | | | | an insurer other than commissions |
| Joliet | | Healthy people have the best | | and taxes. Called " and Insurance |
| Sunnyvale | | mortality risks and thus are much | | Expense" in the convention statement |
| Henderson | | cheaper for companies to insure. This | | blank. |
| Greenville | | translates into lower rates for the | | |
| Zanesville | | Super Preferred customer than | | |
| Ventura | | someone with higher risk factors such | | |
| Chesapeake | | as a heart condition, cancer or | | |
| Garland | | diabetes. Conversely, if you were | | |
| Williamsburg | | unhealthy when you acquired your | | |
| Savannah | | policy, and your health has now | | |
| Rockville | | improved, it might be time to shop for | | |
| Corpus Christi | | a new policy, as your rates are likely | | |
| Knoxville | | to be lower. | | |
