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| Council Bluffs | | Healthy people have the best | | Replacement: A new policy written to |
| Worcester | | mortality risks and thus are much | | take the place of one currently in force. |
| Vineland | | cheaper for companies to insure. This | | |
| Newport Beach | | translates into lower rates for the | | Agent's Qualification Law: Education, |
| Little Rock | | Super Preferred customer than | | experience, and other requirements |
| Stuart | | someone with higher risk factors such | | imposed by the state upon persons |
| Williamsburg | | as a heart condition, cancer or | | desiring to be licensed as agents. |
| Peoria | | diabetes. Conversely, if you were | | |
| Pittsburgh | | unhealthy when you acquired your | | Single Limit: Any insurance coverage |
| Lawton | | policy, and your health has now | | which is expressed as a single |
| Coral Springs | | improved, it might be time to shop for | | amount of insurance, or a single limit |
| Biloxi | | a new policy, as your rates are likely | | of liability. Contrast with Split Limit. |
| Sarasota | | to be lower. | | |
| Metairie | | | | Broker-Agent: One acting as an agent |
| Bradenton | | The best time to switch policies is | | of one or more insurers and as a |
| Miami | | within one month of receiving your | | broker in dealing with one or more |
| Monroe | | policy renewal from your current | | other insurers. |
| San Jose | | insurer. You can typically cancel your | | |
| Rapid City | | policy without any fees or penalties if | | Independent Agent: An agent |
| Little Rock | | you act within this time period. | | operating as an independent |
| Scottsdale | | | | contractor under the independent |
| Norfolk | | We offer quotes for auto insurance, | | agency system. |
| Lorain | | life insurance, homeowners | | |
| Newburgh | | insurance, health insurance, term life | | Submitted Business: Applications for |
| Las Cruces | | insurance and more. | | insurance submitted to an insurer but |
| Trenton | | | | not yet acted upon by it. |
| Silver Spring | | Life insurance, specifically Term Life, | | |
| Las Vegas | | is arguably one of the best values in | | Depreciation: A decrease in the value |
| Quincy | | the entire financial services arena. | | of any type of tangible property over |
| St. Louis | | Where else can you go and get | | a period of time resulting from use, |
| Columbus | | hundreds of thousands of dollars in | | wear and tear, or obsolescence. |
| Palm Harbor | | protection for literally pennies per | | |
| Youngstown | | day? Rates for Term Life insurance | | Malicious Mischief: Similar to |
| Colorado Springs | | remain at all-time lows, and now is the | | vandalism. Purposely damaging the |
| Goldsboro | | time to lock in the best prices. | | rights or property of another. |
