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| Abilene | | Individuals who have 30-year | | Authorized Insurer: An insurer |
| Orlando | | mortgages might want to consider a | | authorized by the state to transact |
| Dothan | | 30-year term to ensure that the house | | business in that state for specific |
| Tampa | | is protected throughout the period of | | types of insurance. |
| Cherry Hill | | the loan. | | |
| Santa Clara | | | | Independent Agent: An agent |
| Oceanside | | Healthy people have the best | | operating as an independent |
| Lakeland | | mortality risks and thus are much | | contractor under the independent |
| Nashville | | cheaper for companies to insure. This | | agency system. |
| Williamsburg | | translates into lower rates for the | | |
| Jacksonville | | Super Preferred customer than | | Deductible: The portion of an insured |
| Buffalo | | someone with higher risk factors such | | loss to be borne by the insured |
| Lansing | | as a heart condition, cancer or | | before he is entitled to recovery from |
| New Port Richey | | diabetes. Conversely, if you were | | the insurer. |
| Boston | | unhealthy when you acquired your | | |
| Fayetteville | | policy, and your health has now | | Expense Allowance: A compensation |
| Hampton | | improved, it might be time to shop for | | paid to an insurance agent in excess |
| Pompano Beach | | a new policy, as your rates are likely | | of prescribed commissions. |
| Albuquerque | | to be lower. | | |
| Anderson | | | | Commingling: An illegal practice |
| Garland | | Shopping around is the best way to | | which occurs when an agent mixes |
| Columbus | | save money on your insurance. | | personal funds with the insured's or |
| Fort Worth | | | | insurer's funds. |
| Inglewood | | Life insurance, specifically Term Life, | | |
| Grand Junction | | is arguably one of the best values in | | Notice of Cancellation: Written notice |
| Plano | | the entire financial services arena. | | by an insurer of intent to cancel |
| Turlock | | Where else can you go and get | | insurance, or written notice by an |
| Erie | | hundreds of thousands of dollars in | | insured requesting cancellation. |
| Abilene | | protection for literally pennies per | | |
| Chandler | | day? Rates for Term Life insurance | | Building Code: This refers to |
| Ogden | | remain at all-time lows, and now is the | | municipal or other governmental |
| Bellevue | | time to lock in the best prices. | | ordinances regulating the type of |
| Salt Lake City | | | | construction of buildings within its |
| Miami | | While some companies raise their | | jurisdiction. |
| Toledo | | prices based on your actual age, | | |
| Omaha | | most companies increase the price of | | |
| Zanesville | | their policies six months before your | | |
| Manchester | | birthday. Its a term called Age | | |
| Greenville | | Nearest in the industry, and that | | |
| Bellevue | | half-year price increase could really | | |
| Sioux Falls | | add up over a 20-year term policy. As | | |
| Gaithersburg | | above, the quicker you purchase your | | |
| Syracuse | | policy the better. | | |
