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| Akron | | Individuals who have 30-year | | Admitted Company: An insurance |
| Plano | | mortgages might want to consider a | | company authorized and licensed to |
| Kansas City | | 30-year term to ensure that the house | | do business in a given state. |
| Portland | | is protected throughout the period of | | |
| Myrtle Beach | | the loan. | | Net Interest Earned: The average |
| Escondido | | | | interest earned by an insurer on its |
| Phoenix | | Life insurance, specifically Term Life, | | investments after investment expense |
| Boynton Beach | | is arguably one of the best values in | | but before federal income taxes. |
| Clearwater | | the entire financial services arena. | | |
| Malden | | Where else can you go and get | | Calendar Year Experience: This |
| Dothan | | hundreds of thousands of dollars in | | measures the premiums and losses |
| Providence | | protection for literally pennies per | | entered on accounting records during |
| Joliet | | day? Rates for Term Life insurance | | the 12-month calendar. |
| Melbourne | | remain at all-time lows, and now is the | | |
| Dubuque | | time to lock in the best prices. | | Agent's Qualification Law: Education, |
| Worcester | | | | experience, and other requirements |
| Atlanta | | Why not take advantage of current | | imposed by the state upon persons |
| Delray Beach | | low prices? Many auto insurance | | desiring to be licensed as agents. |
| Minneapolis | | consumers are becoming educated | | |
| Tucson | | on other companies, plans, and rates | | Claim Expense: The expense of |
| Littleton | | that are available to them; ones that | | adjusting a claim, such as |
| Warwick | | could afford them significant savings | | investigation and attorneys' fees. It |
| Santa Barbara | | on their auto insurance. | | does not include the cost of the claim |
| Myrtle Beach | | | | itself. |
| Sumter | | Make sure you have a new policy in | | |
| Lake Worth | | place before you cancel your old one | | Director of Insurance: A title used in |
| Brooklyn | | to avoid a lapse in coverage. This will | | some states for the head of the |
| Torrance | | also prevent having to figure out the | | department of insurance. |
| Zanesville | | amount of any unused premium that is | | |
| Fort Lauderdale | | due to you from your old insurance | | Fiduciary: A person holding the funds |
| Lansing | | company, or having to spar with your | | or property of another in a position of |
| Zanesville | | agent about exactly when your policy | | trust. An example would be the |
| St. Louis | | was cancelled and how much they | | executor of an estate. |
| Saginaw | | owe you. | | |
