| | | | |
|
| Miami | | People who are trying to quit | | Liabilities: Money owed or expected |
| Pompano Beach | | smoking, for example, might be best | | to be owed. Insurance company |
| Durham | | suited purchasing a shorter term (and | | financial statements, for instance, |
| Salem | | then replacing it with a longer term | | show assets and liabilities. |
| Bellevue | | policy when they qualify for | | |
| Palm Desert | | non-tobacco prices). | | Commercial Lines: This term is used |
| Wichita | | | | to refer to insurance for businesses, |
| Melbourne | | Why not take advantage of current | | professionals, and commercial |
| Brooklyn | | low prices? Many auto insurance | | establishments. |
| Birmingham | | consumers are becoming educated | | |
| Gainesville | | on other companies, plans, and rates | | Retrospective Premium: The final |
| Evanston | | that are available to them; ones that | | premium in a retrospective rating |
| Dubuque | | could afford them significant savings | | plan. See Retrospective Rating. |
| Wichita Falls | | on their auto insurance. | | |
| Tulsa | | | | Exclusions: Specific situations, |
| San Antonio | | While some companies raise their | | conditions, or circumstances that are |
| Coral Springs | | prices based on your actual age, | | listed in the contract as being not |
| Silver Spring | | most companies increase the price of | | covered. |
| Springfield | | their policies six months before your | | |
| Fairfax | | birthday. Its a term called Age | | Malinger: To feign a disability for the |
| Inglewood | | Nearest in the industry, and that | | purpose of continuing to collect |
| Riverside | | half-year price increase could really | | benefits longer than actually |
| Glendale | | add up over a 20-year term policy. As | | necessary. |
| Thousand Oaks | | above, the quicker you purchase your | | |
| Minneapolis | | policy the better. | | Independent Agent: An agent |
| Palm Harbor | | | | operating as an independent |
| Virginia Beach | | Everyone has different needs, and | | contractor under the independent |
| Manchester | | not one size fits all when it comes to | | agency system. |
| Conroe | | term life insurance. While it may make | | |
| Durham | | sense for people in their 30s and 40s | | Depreciation: A decrease in the value |
| Honolulu | | to secure a 20-year term length, a | | of any type of tangible property over |
| Carlsbad | | 10-year term might be more | | a period of time resulting from use, |
| Nashville | | appropriate for someone nearing | | wear and tear, or obsolescence. |
| Columbia | | retirement. | | |
