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| Billings | | Life insurance, specifically Term Life, | | Indemnity: Restoration to the victim of |
| Houma | | is arguably one of the best values in | | a loss by payment, repair, or |
| Orange | | the entire financial services arena. | | replacement. |
| Johnstown | | Where else can you go and get | | |
| Newburgh | | hundreds of thousands of dollars in | | Loss Frequency: The number of times |
| Dallas | | protection for literally pennies per | | a loss occurs over a specific period |
| Overland Park | | day? Rates for Term Life insurance | | of time. |
| Jasper | | remain at all-time lows, and now is the | | |
| Fort Smith | | time to lock in the best prices. | | Amendment: A formal document |
| Woodbridge | | | | which corrects or revises an |
| Sumter | | We offer quotes for auto insurance, | | insurance master policy. |
| Spokane | | life insurance, homeowners | | |
| Longview | | insurance, health insurance, term life | | Admitted (or Allowed) Assets: Assets |
| Jacksonville | | insurance and more. | | whose values are permitted by state |
| Stuart | | | | law to be included in the annual |
| Washington | | At InsWeb, you can compare free | | statement of the insurer. |
| Virginia Beach | | online insurance quotes from many of | | |
| Jackson | | the nations leading insurance | | Substandard Risk: A risk not |
| Savannah | | companies. | | measuring up to underwriting |
| Stockbridge | | | | standards. It may still be written but |
| Eugene | | People who are trying to quit | | usually at a surcharged premium. |
| Texarkana | | smoking, for example, might be best | | |
| Boynton Beach | | suited purchasing a shorter term (and | | Expense Allowance: A compensation |
| Rochester | | then replacing it with a longer term | | paid to an insurance agent in excess |
| Franklin | | policy when they qualify for | | of prescribed commissions. |
| Fayetteville | | non-tobacco prices). | | |
| Zanesville | | | | Sherman Antitrust Act: An antitrust law |
| Bethlehem | | Healthy people have the best | | from which insurance is exempted to |
| Muncie | | mortality risks and thus are much | | the extent that it is regulated by state |
| Cherry Hill | | cheaper for companies to insure. This | | law. |
| Evansville | | translates into lower rates for the | | |
| Chicago | | Super Preferred customer than | | Monoline Policy: Any insurance |
| Sumter | | someone with higher risk factors such | | coverage written as a single line |
| Costa Mesa | | as a heart condition, cancer or | | policy. Contrast with Multiple Line or |
| Staten Island | | diabetes. Conversely, if you were | | Package policy. |
| Birmingham | | unhealthy when you acquired your | | |
| Sacramento | | policy, and your health has now | | |
| Youngstown | | improved, it might be time to shop for | | |
| Dubuque | | a new policy, as your rates are likely | | |
| Chandler | | to be lower. | | |
