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| Washington | | The quickest and easiest way to | | Will Ride: Coverage that remains in |
| Scottsdale | | shop for new insurance is by | | effect regardless of the geographical |
| Minneapolis | | comparing rates at InsWebs online | | location in which a loss occurs. |
| Sacramento | | marketplace. If you do it the | | |
| Woodbridge | | old-fashioned way (by calling or | | Theory of Probability: The |
| Dubuque | | visiting multiple agents or insurance | | mathematical principle upon which |
| Springfield | | companies) it could take up a huge | | insurance is based. |
| Fort Myers | | chunk of your time, which no one | | |
| Santa Barbara | | wants or needs. By completing | | New For Old: Replacing old |
| Jacksonville | | InsWebs online application, you will | | damaged parts or equipment with |
| Carlsbad | | have rates to compare to your old | | new ones rather than repairing them. |
| Westbury | | ones within minutes! | | |
| Edison | | | | License: A certification of authority for |
| Toms River | | Life insurance, specifically Term Life, | | an agent or insurer to operate, given |
| Quincy | | is arguably one of the best values in | | by the appropriate jurisdiction. |
| Reading | | the entire financial services arena. | | |
| Houma | | Where else can you go and get | | FICA. Federal Insurance Contributions |
| Reading | | hundreds of thousands of dollars in | | Act: A law imposing a payroll tax to |
| Springfield | | protection for literally pennies per | | assist in funding Social Security |
| West Palm Beach | | day? Rates for Term Life insurance | | benefits. |
| Roanoke | | remain at all-time lows, and now is the | | |
| Harlingen | | time to lock in the best prices. | | Underwriters Laboratories, Inc. (UL): A |
| Greensboro | | | | testing laboratory for manufactured |
| Raleigh | | People who are trying to quit | | items to determine their safety |
| Henderson | | smoking, for example, might be best | | propensities. |
| Carlsbad | | suited purchasing a shorter term (and | | |
| Schenectady | | then replacing it with a longer term | | Brokerage Department: A department |
| Palm Desert | | policy when they qualify for | | of an insurer whose purpose is to |
| Anderson | | non-tobacco prices). | | deal with brokers in the placing of |
| New Orleans | | | | insurance. |
| North Hollywood | | Everyone has different needs, and | | |
| Lowell | | not one size fits all when it comes to | | Index Bureau Experience: A measure |
| Fairfax | | term life insurance. While it may make | | of losses relating to claims reported |
| York | | sense for people in their 30s and 40s | | through a claim office during a |
| Columbus | | to secure a 20-year term length, a | | 12-month period. |
| Fullerton | | 10-year term might be more | | |
| Indianapolis | | appropriate for someone nearing | | |
| Burbank | | retirement. | | |
