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| Troy | | The quickest and easiest way to | | Loss Adjustment Expense: The cost |
| Gainesville | | shop for new insurance is by | | of adjusting losses, excluding the |
| Longview | | comparing rates at InsWebs online | | amount of the loss itself. |
| Birmingham | | marketplace. If you do it the | | |
| Stockbridge | | old-fashioned way (by calling or | | Captive Agent: One who sells |
| Evanston | | visiting multiple agents or insurance | | insurance for only one company as |
| Elkhart | | companies) it could take up a huge | | opposed to an agent who represents |
| Sioux City | | chunk of your time, which no one | | several companies. |
| Frederick | | wants or needs. By completing | | |
| Dothan | | InsWebs online application, you will | | Cut Rate: This term generally applies |
| Acworth | | have rates to compare to your old | | to insurance companies who charge |
| Staten Island | | ones within minutes! | | premiums below a normal or average |
| Fort Worth | | | | rate. |
| Philadelphia | | People who are trying to quit | | |
| Springfield | | smoking, for example, might be best | | Approved: The condition which exists |
| Greeley | | suited purchasing a shorter term (and | | when the person or object to be |
| Portland | | then replacing it with a longer term | | insured meets the underwriting |
| Hemet | | policy when they qualify for | | standards of the insurer. |
| Palo Alto | | non-tobacco prices). | | |
| Tulsa | | | | Liabilities: Money owed or expected |
| Spartanburg | | Life insurance, specifically Term Life, | | to be owed. Insurance company |
| Denver | | is arguably one of the best values in | | financial statements, for instance, |
| Santa Ana | | the entire financial services arena. | | show assets and liabilities. |
| Jasper | | Where else can you go and get | | |
| San Antonio | | hundreds of thousands of dollars in | | Legislative Risk: A risk faced by |
| Bay City | | protection for literally pennies per | | investors whereby changes in tax |
| Baltimore | | day? Rates for Term Life insurance | | laws can result in adverse effects on |
| Irving | | remain at all-time lows, and now is the | | the individual's investment results. |
| St. Joseph | | time to lock in the best prices. | | |
| Los Angeles | | | | Minimum Premium: The smallest |
| Council Bluffs | | While some companies raise their | | amount of premium for which an |
| Plano | | prices based on your actual age, | | insurer will issue coverage under a |
| Fort Smith | | most companies increase the price of | | given policy. |
| Ogden | | their policies six months before your | | |
| Lawton | | birthday. Its a term called Age | | |
| Jackson | | Nearest in the industry, and that | | |
| Fort Myers | | half-year price increase could really | | |
| San Jose | | add up over a 20-year term policy. As | | |
| Santa Ana | | above, the quicker you purchase your | | |
| Escondido | | policy the better. | | |
