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| Fayetteville | | The best time to switch policies is | | Building Code: This refers to |
| Worcester | | within one month of receiving your | | municipal or other governmental |
| Reading | | policy renewal from your current | | ordinances regulating the type of |
| Malden | | insurer. You can typically cancel your | | construction of buildings within its |
| Rapid City | | policy without any fees or penalties if | | jurisdiction. |
| Jackson | | you act within this time period. | | |
| Buffalo | | | | Buy-Back" Deductible: A deductible |
| Raleigh | | We offer quotes for auto insurance, | | which may be eliminated for an |
| Lafayette | | life insurance, homeowners | | additional premium in order to |
| Phoenix | | insurance, health insurance, term life | | provide "first-dollar" coverage. |
| Albany | | insurance and more. | | |
| Tyler | | | | Premium Receipt: The receipt given |
| Phoenix | | Why not take advantage of current | | a policy owner for the payment of a |
| Amarillo | | low prices? Many auto insurance | | premium. |
| St. Paul | | consumers are becoming educated | | |
| St. Paul | | on other companies, plans, and rates | | Theory of Probability: The |
| Carlsbad | | that are available to them; ones that | | mathematical principle upon which |
| Santa Rosa | | could afford them significant savings | | insurance is based. |
| Greenville | | on their auto insurance. | | |
| Stockton | | | | Substandard Risk: A risk not |
| Flint | | Life insurance, specifically Term Life, | | measuring up to underwriting |
| Montgomery | | is arguably one of the best values in | | standards. It may still be written but |
| Chandler | | the entire financial services arena. | | usually at a surcharged premium. |
| Mansfield | | Where else can you go and get | | |
| Phoenix | | hundreds of thousands of dollars in | | Mutualization: The process of |
| Spring Hill | | protection for literally pennies per | | converting a stock insurer to a mutual |
| Florissant | | day? Rates for Term Life insurance | | insurer, accomplished by having the |
| Ann Arbor | | remain at all-time lows, and now is the | | insurer buy stock and retire it. |
| Coral Springs | | time to lock in the best prices. | | |
| Virginia Beach | | | | License: A certification of authority for |
| Lubbock | | Healthy people have the best | | an agent or insurer to operate, given |
| Valdosta | | mortality risks and thus are much | | by the appropriate jurisdiction. |
| Escondido | | cheaper for companies to insure. This | | |
| High Point | | translates into lower rates for the | | Premises: The particular location of |
| Jacksonville | | Super Preferred customer than | | property or a portion thereof as |
| South Bend | | someone with higher risk factors such | | designated in a policy. |
| Alpharetta | | as a heart condition, cancer or | | |
| Grand Rapids | | diabetes. Conversely, if you were | | |
| Richmond | | unhealthy when you acquired your | | |
| Tucson | | policy, and your health has now | | |
| Grand Junction | | improved, it might be time to shop for | | |
| Topeka | | a new policy, as your rates are likely | | |
| Frederick | | to be lower. | | |
