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| Springfield | | Make sure you have a new policy in | | Provisions: Statements contained in |
| Wichita Falls | | place before you cancel your old one | | an insurance policy which explain the |
| Goldsboro | | to avoid a lapse in coverage. This will | | benefits, conditions and other |
| Pasadena | | also prevent having to figure out the | | features of the insurance contract. |
| Beaumont | | amount of any unused premium that is | | |
| Lawton | | due to you from your old insurance | | Standard Industry Code (SIC): This is |
| Muskegon | | company, or having to spar with your | | a coding system which assigns |
| Jackson | | agent about exactly when your policy | | separate codes for different types of |
| Topeka | | was cancelled and how much they | | industries. |
| Buffalo | | owe you. | | |
| Waterloo | | | | Domestic Insurer (or Company): An |
| Coral Springs | | Everyone has different needs, and | | insurer formed under the laws of the |
| Green Bay | | not one size fits all when it comes to | | state in which the insurance is written. |
| Hampton | | term life insurance. While it may make | | |
| Salt Lake City | | sense for people in their 30s and 40s | | Interstate Carrier: A transportation |
| Goldsboro | | to secure a 20-year term length, a | | company which does business |
| Jacksonville | | 10-year term might be more | | across state lines. |
| Savannah | | appropriate for someone nearing | | |
| Eugene | | retirement. | | Agent's Qualification Law: Education, |
| Troy | | | | experience, and other requirements |
| Dallas | | We offer quotes for auto insurance, | | imposed by the state upon persons |
| Kansas City | | life insurance, homeowners | | desiring to be licensed as agents. |
| Newport News | | insurance, health insurance, term life | | |
| West Palm Beach | | insurance and more. | | Brokerage Department: A department |
| Dothan | | | | of an insurer whose purpose is to |
| Bethlehem | | Healthy people have the best | | deal with brokers in the placing of |
| Durham | | mortality risks and thus are much | | insurance. |
| Fremont | | cheaper for companies to insure. This | | |
| Newburgh | | translates into lower rates for the | | FICA. Federal Insurance Contributions |
| Muncie | | Super Preferred customer than | | Act: A law imposing a payroll tax to |
| Newport News | | someone with higher risk factors such | | assist in funding Social Security |
| Greenville | | as a heart condition, cancer or | | benefits. |
| Salt Lake City | | diabetes. Conversely, if you were | | |
| Naperville | | unhealthy when you acquired your | | Agency Contract (or Agreement): The |
| Fort Worth | | policy, and your health has now | | document which establishes the legal |
| Denton | | improved, it might be time to shop for | | relationship between an agent and an |
| St. Joseph | | a new policy, as your rates are likely | | insurer. |
| Wilmington | | to be lower. | | |
