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| Englewood | | Why not take advantage of current | | Commission of Authority: A document |
| Ocala | | low prices? Many auto insurance | | outlining the powers delegated to an |
| Sacramento | | consumers are becoming educated | | agent by an insurer. |
| Modesto | | on other companies, plans, and rates | | |
| Evansville | | that are available to them; ones that | | Provisional Rate: Tentative rates, |
| Sioux Falls | | could afford them significant savings | | premiums or commissions that are |
| Las Vegas | | on their auto insurance. | | subject to subsequent adjustment. |
| Orange Park | | | | See Commission and Premium. |
| Billings | | People who are trying to quit | | |
| Flint | | smoking, for example, might be best | | Liquidity: The ability of an insurer to |
| Staten Island | | suited purchasing a shorter term (and | | convert its assets into cash to pay |
| Nashville | | then replacing it with a longer term | | claims if necessary. |
| Independence | | policy when they qualify for | | |
| Lexington | | non-tobacco prices). | | Valued: Relating to an agreement by |
| Conroe | | | | an insurer to pay a specified amount |
| Las Vegas | | At InsWeb, you can compare free | | of money to or on behalf of the |
| Gaithersburg | | online insurance quotes from many of | | insured upon occurrence of a defined |
| Hemet | | the nations leading insurance | | loss. |
| Fullerton | | companies. | | |
| Fort Worth | | | | Fiduciary: A person holding the funds |
| Tampa | | Life insurance, specifically Term Life, | | or property of another in a position of |
| Madison | | is arguably one of the best values in | | trust. An example would be the |
| Alpharetta | | the entire financial services arena. | | executor of an estate. |
| Quincy | | Where else can you go and get | | |
| West Palm Beach | | hundreds of thousands of dollars in | | Agency: An insurance sales office |
| Chula Vista | | protection for literally pennies per | | which is directed by a agent, |
| Muskegon | | day? Rates for Term Life insurance | | manager, independent agent, or |
| Schaumburg | | remain at all-time lows, and now is the | | company manager. |
| Biloxi | | time to lock in the best prices. | | |
| Ocala | | | | Effective Date: The date on which the |
| Peoria | | While some companies raise their | | protection of an insurance policy or |
| Killeen | | prices based on your actual age, | | bond goes into effect. |
| Melbourne | | most companies increase the price of | | |
| Shreveport | | their policies six months before your | | Stock Option Plan: Surviving |
| Savannah | | birthday. Its a term called Age | | stockholders have the option to |
| Hickory | | Nearest in the industry, and that | | purchase or not purchase the shares |
| North Hollywood | | half-year price increase could really | | of a deceased stockholder. |
| Alameda | | add up over a 20-year term policy. As | | |
| Decatur | | above, the quicker you purchase your | | |
| Lake Charles | | policy the better. | | |