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| Aurora | | We offer quotes for auto insurance, | | Exclusion: A contractual provision that |
| Ogden | | life insurance, homeowners | | denies coverage for certain perils, |
| Tacoma | | insurance, health insurance, term life | | persons, property, or locations. |
| Cincinnati | | insurance and more. | | |
| Kansas City | | | | Tabular Plan: A retrospective rating |
| Tacoma | | Everyone has different needs, and | | plan, which uses tables to furnish the |
| Green Bay | | not one size fits all when it comes to | | various values for the rating formula. |
| Nashua | | term life insurance. While it may make | | |
| White Plains | | sense for people in their 30s and 40s | | Submitted Business: Applications for |
| Dayton | | to secure a 20-year term length, a | | insurance submitted to an insurer but |
| Toledo | | 10-year term might be more | | not yet acted upon by it. |
| Clarksville | | appropriate for someone nearing | | |
| North Hollywood | | retirement. | | Accidental Bodily Injury: An injury |
| Warren | | | | sustained accidentally. Only the result |
| Birmingham | | The best time to switch policies is | | need be accidental. Contrast with |
| Chattanooga | | within one month of receiving your | | Accidental Means. |
| Pueblo | | policy renewal from your current | | |
| Columbus | | insurer. You can typically cancel your | | Borderline Risk: An insurance |
| Troy | | policy without any fees or penalties if | | prospect of doubtful quality from an |
| Vero Beach | | you act within this time period. | | underwriting point of view. |