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| Jersey City | | Healthy people have the best | | Substandard Risk: A risk not |
| Phoenix | | mortality risks and thus are much | | measuring up to underwriting |
| Miami | | cheaper for companies to insure. This | | standards. It may still be written but |
| Macon | | translates into lower rates for the | | usually at a surcharged premium. |
| Tacoma | | Super Preferred customer than | | |
| Greeley | | someone with higher risk factors such | | Agency: An insurance sales office |
| Fremont | | as a heart condition, cancer or | | which is directed by a agent, |
| Springfield | | diabetes. Conversely, if you were | | manager, independent agent, or |
| Akron | | unhealthy when you acquired your | | company manager. |
| Des Moines | | policy, and your health has now | | |
| Tallahassee | | improved, it might be time to shop for | | Building Code: This refers to |
| Tallahassee | | a new policy, as your rates are likely | | municipal or other governmental |
| Phoenix | | to be lower. | | ordinances regulating the type of |
| Long Beach | | | | construction of buildings within its |
| Walnut Creek | | Life insurance, specifically Term Life, | | jurisdiction. |
| Muskegon | | is arguably one of the best values in | | |
| Modesto | | the entire financial services arena. | | Monoline Policy: Any insurance |
| Durham | | Where else can you go and get | | coverage written as a single line |
| Edmond | | hundreds of thousands of dollars in | | policy. Contrast with Multiple Line or |
| Mesquite | | protection for literally pennies per | | Package policy. |
| Hollywood | | day? Rates for Term Life insurance | | |
| Los Angeles | | remain at all-time lows, and now is the | | Amendment: A formal document |
| Youngstown | | time to lock in the best prices. | | which corrects or revises an |
| Kansas City | | | | insurance master policy. |
| Woodbridge | | We offer quotes for auto insurance, | | |
| Richmond | | life insurance, homeowners | | Approved Roof: A term used in |
| Williamsport | | insurance, health insurance, term life | | building construction. It indicates a |
| Overland Park | | insurance and more. | | roof made of fire-resistive materials, |
| Fremont | | | | such as tile or asphalt shingles. |
| Minneapolis | | While some companies raise their | | |
| Corpus Christi | | prices based on your actual age, | | Deductible: The portion of an insured |
| Virginia Beach | | most companies increase the price of | | loss to be borne by the insured |
| Dayton | | their policies six months before your | | before he is entitled to recovery from |
| Overland Park | | birthday. Its a term called Age | | the insurer. |
| Fredericksburg | | Nearest in the industry, and that | | |
| Anchorage | | half-year price increase could really | | |
| Anaheim | | add up over a 20-year term policy. As | | |
| Walnut Creek | | above, the quicker you purchase your | | |
| Delray Beach | | policy the better. | | |
