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| Carlsbad | | Shopping around is the best way to | | Criticism: A correction suggested by a |
| Bloomington | | save money on your insurance. | | rating or auditing bureau to an insurer. |
| Bay City | | | | |
| Whittier | | While some companies raise their | | Authorized Insurer: An insurer |
| Lima | | prices based on your actual age, | | authorized by the state to transact |
| Albuquerque | | most companies increase the price of | | business in that state for specific |
| Quincy | | their policies six months before your | | types of insurance. |
| West Palm Beach | | birthday. Its a term called Age | | |
| Mobile | | Nearest in the industry, and that | | Indemnify: To restore the victim of a |
| Harrisburg | | half-year price increase could really | | loss to the same position as before |
| Killeen | | add up over a 20-year term policy. As | | the loss occurred. |
| Walnut Creek | | above, the quicker you purchase your | | |
| Scranton | | policy the better. | | Foreign Insurer: An insurer domiciled |
| Greensboro | | | | in a state of the United States other |
| Peoria | | Life insurance, specifically Term Life, | | than the one in which the insured's |
| Corona | | is arguably one of the best values in | | insurance is written. |
| Lafayette | | the entire financial services arena. | | |
| Virginia Beach | | Where else can you go and get | | Open Rating: A system whereby a |
| Santa Rosa | | hundreds of thousands of dollars in | | state allows an insurer to use rates |
| Gulfport | | protection for literally pennies per | | without prior approval. |
| Naples | | day? Rates for Term Life insurance | | |
| Columbus | | remain at all-time lows, and now is the | | Sherman Antitrust Act: An antitrust law |
| Tyler | | time to lock in the best prices. | | from which insurance is exempted to |
| Houston | | | | the extent that it is regulated by state |
| Bloomington | | The best time to switch policies is | | law. |
| Albany | | within one month of receiving your | | |
| San Diego | | policy renewal from your current | | Underwriters Laboratories, Inc. (UL): A |
| Riverside | | insurer. You can typically cancel your | | testing laboratory for manufactured |
| Erie | | policy without any fees or penalties if | | items to determine their safety |
| Alpharetta | | you act within this time period. | | propensities. |