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| Duluth | | People who are trying to quit | | Buy-Back" Deductible: A deductible |
| Hot Springs | | smoking, for example, might be best | | which may be eliminated for an |
| Albany | | suited purchasing a shorter term (and | | additional premium in order to |
| Winter Haven | | then replacing it with a longer term | | provide "first-dollar" coverage. |
| Fort Myers | | policy when they qualify for | | |
| St. Joseph | | non-tobacco prices). | | Exclusions: Specific situations, |
| Jackson | | | | conditions, or circumstances that are |
| Scranton | | Everyone has different needs, and | | listed in the contract as being not |
| West Palm Beach | | not one size fits all when it comes to | | covered. |
| Stockton | | term life insurance. While it may make | | |
| Cranston | | sense for people in their 30s and 40s | | Fictitious Groups: Groups formed |
| Tucson | | to secure a 20-year term length, a | | primarily for the purpose of buying |
| Kingsport | | 10-year term might be more | | insurance. Under the law such groups |
| Austin | | appropriate for someone nearing | | may not be underwritten. |
| Atlanta | | retirement. | | |
| Lawton | | | | Convention Values: Values assigned |
| Nashua | | Why not take advantage of current | | to insurers' assets in the convention |
| Escondido | | low prices? Many auto insurance | | blank. |
| Santa Ana | | consumers are becoming educated | | |
| North Hollywood | | on other companies, plans, and rates | | Indemnify: To restore the victim of a |
| Huntsville | | that are available to them; ones that | | loss to the same position as before |
| Hartford | | could afford them significant savings | | the loss occurred. |
| Eugene | | on their auto insurance. | | |
| Franklin | | | | Accident: An unplanned event, |
| Denton | | If you have noticed that your auto | | unexpected and undesigned, which |
| Bronx | | insurance rates are still increasing | | occurs suddenly and at a definite |
| Columbia | | with each renewal, or even have not | | place. |
| Gulfport | | gone down even though you have a | | |
| Greenville | | great driving record, this lower pricing | | Nonadmitted Insurer: An insurer not |
| Miami | | trend makes it more important then | | licensed to do business in the |
| Staten Island | | ever that you shop around for auto | | jurisdiction in question. Same as |
| Daytona Beach | | insurance. | | Unauthorized Insurer and Unlicensed |
| Pasadena | | | | Insurer. |
| Denton | | At InsWeb, you can compare free | | |
| Yonkers | | online insurance quotes from many of | | |
| Albany | | the nations leading insurance | | |
| Miami | | companies. | | |
