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| Harlingen | | Healthy people have the best | | Capital Sum: The maximum lump sum |
| Oxnard | | mortality risks and thus are much | | payable in the event of accidental |
| Jackson | | cheaper for companies to insure. This | | death or dismemberment. |
| Pueblo | | translates into lower rates for the | | |
| Lafayette | | Super Preferred customer than | | Brokerage Department: A department |
| Lawton | | someone with higher risk factors such | | of an insurer whose purpose is to |
| Evanston | | as a heart condition, cancer or | | deal with brokers in the placing of |
| Lakewood | | diabetes. Conversely, if you were | | insurance. |
| Bradenton | | unhealthy when you acquired your | | |
| Beaumont | | policy, and your health has now | | Gross Premium: The net premium |
| Clarksville | | improved, it might be time to shop for | | plus operating expenses, |
| Acworth | | a new policy, as your rates are likely | | commissions and other expenses. |
| Elkhart | | to be lower. | | |
| Daytona Beach | | | | Index Bureau Experience: A measure |
| Lubbock | | We offer quotes for auto insurance, | | of losses relating to claims reported |
| Venice | | life insurance, homeowners | | through a claim office during a |
| Tulsa | | insurance, health insurance, term life | | 12-month period. |
| Gulfport | | insurance and more. | | |
| Redlands | | | | Effective Date: The date on which the |
| Cleveland | | If you have noticed that your auto | | protection of an insurance policy or |
| Staten Island | | insurance rates are still increasing | | bond goes into effect. |
| Dallas | | with each renewal, or even have not | | |
| Scranton | | gone down even though you have a | | Sole Proprietorship: A business |
| Flint | | great driving record, this lower pricing | | enterprise owned by one person who |
| Columbia | | trend makes it more important then | | is its manager and employee. |
| Florence | | ever that you shop around for auto | | |
| Newark | | insurance. | | First Party Insurance: Insurance which |
| Cypress | | | | applies to coverage for the insured's |
| Syracuse | | Everyone has different needs, and | | own property or person. Contrast with |
| Belleville | | not one size fits all when it comes to | | Third Party Insurance. |
| Alexandria | | term life insurance. While it may make | | |
| Shreveport | | sense for people in their 30s and 40s | | Indemnify: To restore the victim of a |
| Troy | | to secure a 20-year term length, a | | loss to the same position as before |
| Bellevue | | 10-year term might be more | | the loss occurred. |
| Myrtle Beach | | appropriate for someone nearing | | |
| Birmingham | | retirement. | | |
