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| Texarkana | | Life insurance, specifically Term Life, | | Valuation Clause: A clause stating the |
| Athens | | is arguably one of the best values in | | value of items for insurance |
| Erie | | the entire financial services arena. | | purposes, making it a valued policy. |
| Fort Wayne | | Where else can you go and get | | |
| Edison | | hundreds of thousands of dollars in | | Preferred Risk: Any risk considered |
| Vancouver | | protection for literally pennies per | | to be better than the standard risk on |
| Burbank | | day? Rates for Term Life insurance | | which the premium rate was |
| Tempe | | remain at all-time lows, and now is the | | calculated. |
| Santa Clara | | time to lock in the best prices. | | |
| Long Beach | | | | Public Adjuster: An insurance adjuster |
| Scottsdale | | The best time to switch policies is | | who represents an insured on a fee |
| Troy | | within one month of receiving your | | basis in claims settlement. Contrast |
| Athens | | policy renewal from your current | | with Independent Adjuster. |
| Biloxi | | insurer. You can typically cancel your | | |
| Green Bay | | policy without any fees or penalties if | | Endorsement: A written or printed form |
| Roanoke | | you act within this time period. | | attached to the policy which alters |
| Norwalk | | | | provisions of the contract. |
| Staten Island | | If you have noticed that your auto | | |
| Jacksonville | | insurance rates are still increasing | | Insolvent Insurer: An insurer which is |
| Cranston | | with each renewal, or even have not | | unable to meet its financial |
| Saginaw | | gone down even though you have a | | obligations. |
| Arlington | | great driving record, this lower pricing | | |
| Eugene | | trend makes it more important then | | Deductible: The portion of an insured |
| Augusta | | ever that you shop around for auto | | loss to be borne by the insured |
| Hampton | | insurance. | | before he is entitled to recovery from |
| Lexington | | | | the insurer. |
| Chattanooga | | While some companies raise their | | |
| Orange Park | | prices based on your actual age, | | Director of Insurance: A title used in |
| Erie | | most companies increase the price of | | some states for the head of the |
| Arlington | | their policies six months before your | | department of insurance. |
| Macon | | birthday. Its a term called Age | | |
| Lafayette | | Nearest in the industry, and that | | Agency Company: An insurance |
| Lakewood | | half-year price increase could really | | company that produces business |
| Muncie | | add up over a 20-year term policy. As | | through an agency network. Contrast |
| Lawton | | above, the quicker you purchase your | | with Direct Writer. |
| Bronx | | policy the better. | | |
