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| Manchester | | While some companies raise their | | Agency Company: An insurance |
| Muskegon | | prices based on your actual age, | | company that produces business |
| New Port Richey | | most companies increase the price of | | through an agency network. Contrast |
| Omaha | | their policies six months before your | | with Direct Writer. |
| Sioux Falls | | birthday. Its a term called Age | | |
| Bloomington | | Nearest in the industry, and that | | Short-Term Policy: A policy written for |
| Lakewood | | half-year price increase could really | | a period of less time than is normal for |
| Longmont | | add up over a 20-year term policy. As | | that type of policy. |
| Arlington | | above, the quicker you purchase your | | |
| Memphis | | policy the better. | | Expense Allowance: A compensation |
| Greeley | | | | paid to an insurance agent in excess |
| Modesto | | If you have noticed that your auto | | of prescribed commissions. |
| San Jose | | insurance rates are still increasing | | |
| Irvine | | with each renewal, or even have not | | Commingling: An illegal practice |
| Albany | | gone down even though you have a | | which occurs when an agent mixes |
| Shreveport | | great driving record, this lower pricing | | personal funds with the insured's or |
| Santa Clara | | trend makes it more important then | | insurer's funds. |
| Warwick | | ever that you shop around for auto | | |
| Salem | | insurance. | | Buy-Back" Deductible: A deductible |
| Lorain | | | | which may be eliminated for an |
| Fayetteville | | Life insurance, specifically Term Life, | | additional premium in order to |
| Hollywood | | is arguably one of the best values in | | provide "first-dollar" coverage. |
| Riverside | | the entire financial services arena. | | |
| Quincy | | Where else can you go and get | | Losses Incurred: The total losses, |
| Chesapeake | | hundreds of thousands of dollars in | | whether paid or not, sustained by an |
| Warren | | protection for literally pennies per | | insurer during a given period, e.g., 12 |
| Longview | | day? Rates for Term Life insurance | | months. |
| Escondido | | remain at all-time lows, and now is the | | |
| Monroe | | time to lock in the best prices. | | Net Interest Earned: The average |
| Palm Desert | | | | interest earned by an insurer on its |
| Sunnyvale | | Shopping around is the best way to | | investments after investment expense |
| Redlands | | save money on your insurance. | | but before federal income taxes. |
