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| Pasadena | | The best time to switch policies is | | Brokerage Business: Business |
| Akron | | within one month of receiving your | | offered to an insurer by a broker. This |
| Roanoke | | policy renewal from your current | | is sometimes called excess or |
| Rapid City | | insurer. You can typically cancel your | | surplus business. |
| Henderson | | policy without any fees or penalties if | | |
| Aurora | | you act within this time period. | | Retrospective Premium: The final |
| Manchester | | | | premium in a retrospective rating |
| Augusta | | Everyone has different needs, and | | plan. See Retrospective Rating. |
| Louisville | | not one size fits all when it comes to | | |
| Flint | | term life insurance. While it may make | | Claim Report: A report filed by an |
| Chandler | | sense for people in their 30s and 40s | | agent setting forth the facts of a claim. |
| Shreveport | | to secure a 20-year term length, a | | Same as Loss Report. |
| Midland | | 10-year term might be more | | |
| Boca Raton | | appropriate for someone nearing | | New For Old: Replacing old |
| Portsmouth | | retirement. | | damaged parts or equipment with |
| Killeen | | | | new ones rather than repairing them. |
| El Paso | | We offer quotes for auto insurance, | | |
| Stuart | | life insurance, homeowners | | Underwriters Laboratories, Inc. (UL): A |
| Arlington | | insurance, health insurance, term life | | testing laboratory for manufactured |
| Johnson City | | insurance and more. | | items to determine their safety |
| Oakland | | | | propensities. |
| Naperville | | Life insurance, specifically Term Life, | | |
| Cambridge | | is arguably one of the best values in | | Standard Industry Code (SIC): This is |
| Tallahassee | | the entire financial services arena. | | a coding system which assigns |
| Asheville | | Where else can you go and get | | separate codes for different types of |
| Goldsboro | | hundreds of thousands of dollars in | | industries. |
| Tallahassee | | protection for literally pennies per | | |
| Allentown | | day? Rates for Term Life insurance | | Preferred Risk: Any risk considered |
| Bethlehem | | remain at all-time lows, and now is the | | to be better than the standard risk on |
| Baltimore | | time to lock in the best prices. | | which the premium rate was |
| Edison | | | | calculated. |
| Reading | | People who are trying to quit | | |
| Evanston | | smoking, for example, might be best | | Multi-Peril Policies: Policies which |
| Nashua | | suited purchasing a shorter term (and | | cover a number of perils, such as fire, |
| Orlando | | then replacing it with a longer term | | burglary, and liability, in a single |
| Silver Spring | | policy when they qualify for | | contract. |
| Houma | | non-tobacco prices). | | |
