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| Peoria | | At InsWeb, you can compare free | | American Risk and Insurance |
| Erie | | online insurance quotes from many of | | Association: An association of |
| Belleville | | the nations leading insurance | | insurance educators and others |
| Anderson | | companies. | | interested in insurance study and |
| Santa Monica | | | | research. |
| Costa Mesa | | Everyone has different needs, and | | |
| Albuquerque | | not one size fits all when it comes to | | Agency: An insurance sales office |
| Lima | | term life insurance. While it may make | | which is directed by a agent, |
| Roanoke | | sense for people in their 30s and 40s | | manager, independent agent, or |
| Newburgh | | to secure a 20-year term length, a | | company manager. |
| Scottsdale | | 10-year term might be more | | |
| Los Angeles | | appropriate for someone nearing | | Operating Expense: The expense of |
| Silver Spring | | retirement. | | an insurer other than commissions |
| Pensacola | | | | and taxes. Called " and Insurance |
| Greensboro | | Make sure you have a new policy in | | Expense" in the convention statement |
| Hampton | | place before you cancel your old one | | blank. |
| Grand Prairie | | to avoid a lapse in coverage. This will | | |
| Thousand Oaks | | also prevent having to figure out the | | Captive Agent: One who sells |
| Jacksonville | | amount of any unused premium that is | | insurance for only one company as |
| Hemet | | due to you from your old insurance | | opposed to an agent who represents |
| Torrance | | company, or having to spar with your | | several companies. |
| Jackson | | agent about exactly when your policy | | |
| Pittsburgh | | was cancelled and how much they | | Brokerage Business: Business |
| New Port Richey | | owe you. | | offered to an insurer by a broker. This |
| Detroit | | | | is sometimes called excess or |
| Biloxi | | Healthy people have the best | | surplus business. |
| Midland | | mortality risks and thus are much | | |
| Toledo | | cheaper for companies to insure. This | | Brokerage Department: A department |
| Myrtle Beach | | translates into lower rates for the | | of an insurer whose purpose is to |
| Memphis | | Super Preferred customer than | | deal with brokers in the placing of |
| Livonia | | someone with higher risk factors such | | insurance. |
| Durham | | as a heart condition, cancer or | | |
| York | | diabetes. Conversely, if you were | | Malinger: To feign a disability for the |
| Kalamazoo | | unhealthy when you acquired your | | purpose of continuing to collect |
| Duluth | | policy, and your health has now | | benefits longer than actually |
| Livonia | | improved, it might be time to shop for | | necessary. |
| New York | | a new policy, as your rates are likely | | |
| Muncie | | to be lower. | | |
