| | | | |
|
| Providence | | Healthy people have the best | | Claim Expense: The expense of |
| Chicago | | mortality risks and thus are much | | adjusting a claim, such as |
| Lakeland | | cheaper for companies to insure. This | | investigation and attorneys' fees. It |
| Palm Harbor | | translates into lower rates for the | | does not include the cost of the claim |
| Ann Arbor | | Super Preferred customer than | | itself. |
| Turlock | | someone with higher risk factors such | | |
| Savannah | | as a heart condition, cancer or | | Single Limit: Any insurance coverage |
| Montgomery | | diabetes. Conversely, if you were | | which is expressed as a single |
| Manchester | | unhealthy when you acquired your | | amount of insurance, or a single limit |
| Boca Raton | | policy, and your health has now | | of liability. Contrast with Split Limit. |
| Lorain | | improved, it might be time to shop for | | |
| Kansas City | | a new policy, as your rates are likely | | Lloyd's Broker: A person who has the |
| Fairfax | | to be lower. | | authority to negotiate insurance |
| Tacoma | | | | contracts with the underwriters on the |
| Sunnyvale | | Everyone has different needs, and | | floor at Lloyd's. |
| Glendale | | not one size fits all when it comes to | | |
| Salem | | term life insurance. While it may make | | Exclusions: Specific situations, |
| Spokane | | sense for people in their 30s and 40s | | conditions, or circumstances that are |
| Asheville | | to secure a 20-year term length, a | | listed in the contract as being not |
| Bloomington | | 10-year term might be more | | covered. |
| Lakewood | | appropriate for someone nearing | | |
| Joliet | | retirement. | | Not Taken: Policies applied for and |
| Tampa | | | | issued but rejected by the proposed |
| Chicago | | We offer quotes for auto insurance, | | owner and not paid for. |
| Nashville | | life insurance, homeowners | | |
| Greeley | | insurance, health insurance, term life | | Gross Premium: The net premium |
| Boulder | | insurance and more. | | plus operating expenses, |
| Youngstown | | | | commissions and other expenses. |
| Myrtle Beach | | Why not take advantage of current | | |
| Duluth | | low prices? Many auto insurance | | Agency Contract (or Agreement): The |
| Salem | | consumers are becoming educated | | document which establishes the legal |
| Longmont | | on other companies, plans, and rates | | relationship between an agent and an |
| St. Louis | | that are available to them; ones that | | insurer. |
| Lafayette | | could afford them significant savings | | |
| Schenectady | | on their auto insurance. | | |