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| Albany | | We offer quotes for auto insurance, | | Policy Anniversary: The anniversary |
| Winter Park | | life insurance, homeowners | | of the date of issue of a policy as |
| Long Island City | | insurance, health insurance, term life | | shown in the policy declarations. |
| Madison | | insurance and more. | | |
| Scranton | | | | Loss Frequency: The number of times |
| San Diego | | Everyone has different needs, and | | a loss occurs over a specific period |
| Newburgh | | not one size fits all when it comes to | | of time. |
| Scottsdale | | term life insurance. While it may make | | |
| Hickory | | sense for people in their 30s and 40s | | Legislative Risk: A risk faced by |
| Syracuse | | to secure a 20-year term length, a | | investors whereby changes in tax |
| Chesapeake | | 10-year term might be more | | laws can result in adverse effects on |
| Rockville | | appropriate for someone nearing | | the individual's investment results. |
| Athens | | retirement. | | |
| Boise | | | | Replacement: A new policy written to |
| Chicago | | People who are trying to quit | | take the place of one currently in force. |
| New Port Richey | | smoking, for example, might be best | | |
| Roanoke | | suited purchasing a shorter term (and | | Domestic Insurer (or Company): An |
| Williamsport | | then replacing it with a longer term | | insurer formed under the laws of the |
| Springfield | | policy when they qualify for | | state in which the insurance is written. |
| Joliet | | non-tobacco prices). | | |
| Chula Vista | | | | Overlapping Insurance: Coverage |
| Davenport | | While some companies raise their | | from two or more policies or insurers |
| Richmond | | prices based on your actual age, | | which duplicates coverage of certain |
| Savannah | | most companies increase the price of | | risks. |
| Muncie | | their policies six months before your | | |
| Spartanburg | | birthday. Its a term called Age | | Incurred Expense: Expenses not yet |
| Huntington Beach | | Nearest in the industry, and that | | paid. Can also include paid |
| Racine | | half-year price increase could really | | expenses in some accounting |
| Corpus Christi | | add up over a 20-year term policy. As | | systems. |
| El Cajon | | above, the quicker you purchase your | | |
| Slidell | | policy the better. | | Short Rate Premium: The premium |
| Corpus Christi | | | | required for issuing a policy for a |
| Tuscaloosa | | The best time to switch policies is | | period less than its normal term. |
| Oakland | | within one month of receiving your | | |
| Franklin | | policy renewal from your current | | |
| Columbus | | insurer. You can typically cancel your | | |
| Warren | | policy without any fees or penalties if | | |
| Longwood | | you act within this time period. | | |
