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| Southfield | | Individuals who have 30-year | | Exclusions: Specific situations, |
| Roanoke | | mortgages might want to consider a | | conditions, or circumstances that are |
| Fremont | | 30-year term to ensure that the house | | listed in the contract as being not |
| Orange | | is protected throughout the period of | | covered. |
| North Hollywood | | the loan. | | |
| Garland | | | | Net Loss: The amount of loss |
| Dayton | | Why not take advantage of current | | sustained by an insurer after giving |
| Denver | | low prices? Many auto insurance | | effect to all applicable reinsurance, |
| Florence | | consumers are becoming educated | | salvage, and subrogation recoveries. |
| Worcester | | on other companies, plans, and rates | | |
| Frederick | | that are available to them; ones that | | Sherman Antitrust Act: An antitrust law |
| Monroe | | could afford them significant savings | | from which insurance is exempted to |
| Woodbridge | | on their auto insurance. | | the extent that it is regulated by state |
| Greeley | | | | law. |
| Sioux Falls | | If you decide to cancel your policy | | |
| Coral Springs | | (after acquiring new coverage) | | Capital Sum: The maximum lump sum |
| Acworth | | outside of the 30-day period, you may | | payable in the event of accidental |
| Jackson | | have to pay a fee or penalty. | | death or dismemberment. |
| Hartford | | However, you may still save money | | |
| Winter Haven | | after paying the fee if your new policy | | Retail Credit Company: The former |
| Augusta | | affords you significant savings. So | | name of Equifax, a credit reporting |
| Sterling Heights | | while it is best to wait until your | | organization. See Equifax. |
| Scottsdale | | receive your renewal notice, you CAN | | |
| Dubuque | | cancel your policy at any time. | | Net Retention: The amount of |
| Cincinnati | | | | insurance that a ceding company |
| Rapid City | | Everyone has different needs, and | | keeps for its own account and does |
| Fullerton | | not one size fits all when it comes to | | not reinsure. |
| Ogden | | term life insurance. While it may make | | |
| Newport Beach | | sense for people in their 30s and 40s | | Agent's License: A certificate of |
| Lakewood | | to secure a 20-year term length, a | | authority from the state which permits |
| Orange Park | | 10-year term might be more | | the agent to conduct business. |
| Valdosta | | appropriate for someone nearing | | |
| Providence | | retirement. | | Book Value: Refers to the value of |
| Huntington Beach | | | | assets as shown in the official |
| Ventura | | | | accounting records of the company. |
