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| Littleton | | If you have noticed that your auto | | Equity: The money value of an |
| Panama City | | insurance rates are still increasing | | insurance company that is over and |
| Walnut Creek | | with each renewal, or even have not | | above its liabilities. Liabilities include |
| Harrisburg | | gone down even though you have a | | almost all of its reserves. |
| Kingsport | | great driving record, this lower pricing | | |
| Santa Clara | | trend makes it more important then | | Federal Deposit Insurance |
| Sarasota | | ever that you shop around for auto | | Corporation (FDIC): An agency of the |
| Bloomington | | insurance. | | federal government which insures |
| Columbus | | | | bank deposits up to a stated |
| Delray Beach | | Everyone has different needs, and | | maximum. |
| Longview | | not one size fits all when it comes to | | |
| Warren | | term life insurance. While it may make | | Policywriting Agent: An agent who has |
| Orlando | | sense for people in their 30s and 40s | | the authority to prepare and effect an |
| Worcester | | to secure a 20-year term length, a | | insurer's policy. |
| Texarkana | | 10-year term might be more | | |
| Marietta | | appropriate for someone nearing | | Short Rate Premium: The premium |
| Henderson | | retirement. | | required for issuing a policy for a |
| Jacksonville | | | | period less than its normal term. |
| Clarksville | | Make sure you have a new policy in | | |
| Fayetteville | | place before you cancel your old one | | Accidental Bodily Injury: An injury |
| Greenville | | to avoid a lapse in coverage. This will | | sustained accidentally. Only the result |
| Santa Clara | | also prevent having to figure out the | | need be accidental. Contrast with |
| Clearwater | | amount of any unused premium that is | | Accidental Means. |
| Portsmouth | | due to you from your old insurance | | |
| Thousand Oaks | | company, or having to spar with your | | Public Adjuster: An insurance adjuster |
| Miami | | agent about exactly when your policy | | who represents an insured on a fee |
| Washington | | was cancelled and how much they | | basis in claims settlement. Contrast |
| Huntsville | | owe you. | | with Independent Adjuster. |
