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| Burbank | | Individuals who have 30-year | | Agent's License: A certificate of |
| Fort Lauderdale | | mortgages might want to consider a | | authority from the state which permits |
| Fall River | | 30-year term to ensure that the house | | the agent to conduct business. |
| Decatur | | is protected throughout the period of | | |
| Abilene | | the loan. | | Burning Ratio: The ratio of losses |
| Clinton Township | | | | suffered to the amount of insurance in |
| Springfield | | While some companies raise their | | effect. |
| Honolulu | | prices based on your actual age, | | |
| Tucson | | most companies increase the price of | | Agency Contract (or Agreement): The |
| Redlands | | their policies six months before your | | document which establishes the legal |
| Belleville | | birthday. Its a term called Age | | relationship between an agent and an |
| Delray Beach | | Nearest in the industry, and that | | insurer. |
| Santa Monica | | half-year price increase could really | | |
| Lima | | add up over a 20-year term policy. As | | Policy Anniversary: The anniversary |
| Panama City | | above, the quicker you purchase your | | of the date of issue of a policy as |
| Vero Beach | | policy the better. | | shown in the policy declarations. |
