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| Lowell | | Shopping around is the best way to | | Borderline Risk: An insurance |
| Mobile | | save money on your insurance. | | prospect of doubtful quality from an |
| Sioux City | | | | underwriting point of view. |
| Baton Rouge | | If you have noticed that your auto | | |
| Hot Springs | | insurance rates are still increasing | | Commingling: An illegal practice |
| Evanston | | with each renewal, or even have not | | which occurs when an agent mixes |
| Jacksonville | | gone down even though you have a | | personal funds with the insured's or |
| Lake Charles | | great driving record, this lower pricing | | insurer's funds. |
| Albuquerque | | trend makes it more important then | | |
| Lakewood | | ever that you shop around for auto | | Policywriting Agent: An agent who has |
| Madison | | insurance. | | the authority to prepare and effect an |
| Kansas City | | | | insurer's policy. |
| Newark | | Life insurance, specifically Term Life, | | |
| Whittier | | is arguably one of the best values in | | Malinger: To feign a disability for the |
| Abilene | | the entire financial services arena. | | purpose of continuing to collect |
| Staten Island | | Where else can you go and get | | benefits longer than actually |
| Monroe | | hundreds of thousands of dollars in | | necessary. |
| Morristown | | protection for literally pennies per | | |
| Des Moines | | day? Rates for Term Life insurance | | Legislative Risk: A risk faced by |
| Scottsdale | | remain at all-time lows, and now is the | | investors whereby changes in tax |
| Edison | | time to lock in the best prices. | | laws can result in adverse effects on |
| Panama City | | | | the individual's investment results. |
| White Plains | | While some companies raise their | | |
| Irvine | | prices based on your actual age, | | Foreign Insurer: An insurer domiciled |
| Lansing | | most companies increase the price of | | in a state of the United States other |
| Nashville | | their policies six months before your | | than the one in which the insured's |
| Overland Park | | birthday. Its a term called Age | | insurance is written. |
| Columbia | | Nearest in the industry, and that | | |
| Roanoke | | half-year price increase could really | | Preferred Risk: Any risk considered |
| Hartford | | add up over a 20-year term policy. As | | to be better than the standard risk on |
| Peoria | | above, the quicker you purchase your | | which the premium rate was |
| Portland | | policy the better. | | calculated. |
