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| Aurora | | Life insurance, specifically Term Life, | | Renewal: The reestablishment of the |
| Manchester | | is arguably one of the best values in | | in-force status of a policy, the term of |
| Las Vegas | | the entire financial services arena. | | which has expired or will expire |
| Decatur | | Where else can you go and get | | unless it is renewed. |
| Toledo | | hundreds of thousands of dollars in | | |
| Jasper | | protection for literally pennies per | | Director of Insurance: A title used in |
| Clinton Township | | day? Rates for Term Life insurance | | some states for the head of the |
| Oxnard | | remain at all-time lows, and now is the | | department of insurance. |
| Downey | | time to lock in the best prices. | | |
| Jackson | | | | Collusion: An agreement, usually |
| Irving | | The best time to switch policies is | | secret, between two or more persons |
| Fullerton | | within one month of receiving your | | to defraud or deprive another or |
| Hot Springs | | policy renewal from your current | | others of their property or rights. |
| Knoxville | | insurer. You can typically cancel your | | |
| Chandler | | policy without any fees or penalties if | | Sherman Antitrust Act: An antitrust law |
| Palo Alto | | you act within this time period. | | from which insurance is exempted to |
| Elkhart | | | | the extent that it is regulated by state |
| Monroe | | The quickest and easiest way to | | law. |
| Davenport | | shop for new insurance is by | | |
| Newark | | comparing rates at InsWebs online | | Buy-Back" Deductible: A deductible |
| Arlington | | marketplace. If you do it the | | which may be eliminated for an |
| Albany | | old-fashioned way (by calling or | | additional premium in order to |
| Anderson | | visiting multiple agents or insurance | | provide "first-dollar" coverage. |
| Cookeville | | companies) it could take up a huge | | |
| Texarkana | | chunk of your time, which no one | | License: A certification of authority for |
| Cincinnati | | wants or needs. By completing | | an agent or insurer to operate, given |
| Evanston | | InsWebs online application, you will | | by the appropriate jurisdiction. |
| Alpharetta | | have rates to compare to your old | | |
| Delray Beach | | ones within minutes! | | Basic Rate: The manual rate from |
| Texarkana | | | | which discounts are taken or to which |
| Greensboro | | Why not take advantage of current | | charges are added to reflect the |
| San Francisco | | low prices? Many auto insurance | | individual circumstances of a risk. |
| Henderson | | consumers are becoming educated | | |
| Oceanside | | on other companies, plans, and rates | | Book Value: Refers to the value of |
| Bayside | | that are available to them; ones that | | assets as shown in the official |
| Denver | | could afford them significant savings | | accounting records of the company. |
| Greenville | | on their auto insurance. | | |
