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| Omaha | | While some companies raise their | | Examiner: An employee assigned by |
| Fall River | | prices based on your actual age, | | the state insurance department to |
| Naperville | | most companies increase the price of | | audit insurers' records. |
| Valdosta | | their policies six months before your | | |
| Lima | | birthday. Its a term called Age | | Net Loss: The amount of loss |
| Louisville | | Nearest in the industry, and that | | sustained by an insurer after giving |
| Jackson | | half-year price increase could really | | effect to all applicable reinsurance, |
| Springfield | | add up over a 20-year term policy. As | | salvage, and subrogation recoveries. |
| Lake Worth | | above, the quicker you purchase your | | |
| Long Island City | | policy the better. | | Commission of Authority: A document |
| Virginia Beach | | | | outlining the powers delegated to an |
| Racine | | Life insurance, specifically Term Life, | | agent by an insurer. |
| North Hollywood | | is arguably one of the best values in | | |
| New Orleans | | the entire financial services arena. | | Brick Veneer Construction: Refers to |
| Birmingham | | Where else can you go and get | | a building where the outside walls are |
| Columbus | | hundreds of thousands of dollars in | | constructed of wood with a facing of a |
| Kingsport | | protection for literally pennies per | | single layer of brick. |
| Conroe | | day? Rates for Term Life insurance | | |
| Jonesboro | | remain at all-time lows, and now is the | | Partnership: A business enterprise |
| Dallas | | time to lock in the best prices. | | owned and operated by two or more |
| Cherry Hill | | | | persons for the purpose of generating |
| Bronx | | We offer quotes for auto insurance, | | business income and profits. |
| Grand Prairie | | life insurance, homeowners | | |
| Greensboro | | insurance, health insurance, term life | | Multi-Peril Policies: Policies which |
| New Port Richey | | insurance and more. | | cover a number of perils, such as fire, |
| Jacksonville | | | | burglary, and liability, in a single |
| Billings | | Healthy people have the best | | contract. |
| Rockville | | mortality risks and thus are much | | |
| Morristown | | cheaper for companies to insure. This | | Malicious Mischief: Similar to |
| Las Cruces | | translates into lower rates for the | | vandalism. Purposely damaging the |
| Sunnyvale | | Super Preferred customer than | | rights or property of another. |
| Lake Charles | | someone with higher risk factors such | | |
| Albuquerque | | as a heart condition, cancer or | | Leasehold: An agreement which |
| Clearwater | | diabetes. Conversely, if you were | | gives a person the right to use and |
| Miami | | unhealthy when you acquired your | | occupy property. |
| Knoxville | | policy, and your health has now | | |
| Wilmington | | improved, it might be time to shop for | | |
| Slidell | | a new policy, as your rates are likely | | |
| Manchester | | to be lower. | | |
