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| Albany | | Make sure you have a new policy in | | Brokerage Department: A department |
| Dothan | | place before you cancel your old one | | of an insurer whose purpose is to |
| Fort Myers | | to avoid a lapse in coverage. This will | | deal with brokers in the placing of |
| Troy | | also prevent having to figure out the | | insurance. |
| Hemet | | amount of any unused premium that is | | |
| Decatur | | due to you from your old insurance | | Absolute Assignment: Assignment by |
| Cherry Hill | | company, or having to spar with your | | a policy owner of all control of and |
| Cincinnati | | agent about exactly when your policy | | rights in the policy to a third party. |
| San Francisco | | was cancelled and how much they | | |
| Chesapeake | | owe you. | | Admitted (or Allowed) Assets: Assets |
| Pembroke Pines | | | | whose values are permitted by state |
| Mobile | | At InsWeb, you can compare free | | law to be included in the annual |
| Trenton | | online insurance quotes from many of | | statement of the insurer. |
| Myrtle Beach | | the nations leading insurance | | |
| Tuscaloosa | | companies. | | Agent's Qualification Law: Education, |
| Chandler | | | | experience, and other requirements |
| Huntington | | Life insurance, specifically Term Life, | | imposed by the state upon persons |
| St. Joseph | | is arguably one of the best values in | | desiring to be licensed as agents. |
| Norwalk | | the entire financial services arena. | | |
| Cape Coral | | Where else can you go and get | | Equity: The money value of an |
| Mansfield | | hundreds of thousands of dollars in | | insurance company that is over and |
| Boise | | protection for literally pennies per | | above its liabilities. Liabilities include |
| Stamford | | day? Rates for Term Life insurance | | almost all of its reserves. |
| Little Rock | | remain at all-time lows, and now is the | | |
| Fayetteville | | time to lock in the best prices. | | Admitted Company: An insurance |
| Oklahoma City | | | | company authorized and licensed to |
| Costa Mesa | | The best time to switch policies is | | do business in a given state. |
| Oceanside | | within one month of receiving your | | |
| Portsmouth | | policy renewal from your current | | First Party Insurance: Insurance which |
| Birmingham | | insurer. You can typically cancel your | | applies to coverage for the insured's |
| St. Louis | | policy without any fees or penalties if | | own property or person. Contrast with |
| Dothan | | you act within this time period. | | Third Party Insurance. |
