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| Downey | | Why not take advantage of current | | Collusion: An agreement, usually |
| Midland | | low prices? Many auto insurance | | secret, between two or more persons |
| St. Paul | | consumers are becoming educated | | to defraud or deprive another or |
| Lakewood | | on other companies, plans, and rates | | others of their property or rights. |
| Athens | | that are available to them; ones that | | |
| Edison | | could afford them significant savings | | Valuation Clause: A clause stating the |
| Panama City | | on their auto insurance. | | value of items for insurance |
| Rome | | | | purposes, making it a valued policy. |
| Duluth | | People who are trying to quit | | |
| Spokane | | smoking, for example, might be best | | Replacement: A new policy written to |
| Independence | | suited purchasing a shorter term (and | | take the place of one currently in force. |
| Lakewood | | then replacing it with a longer term | | |
| Cambridge | | policy when they qualify for | | Underinsurance: A condition in which |
| Muncie | | non-tobacco prices). | | not enough insurance is carried to |
| Houma | | | | cover the insurable value. |
| Little Rock | | Everyone has different needs, and | | |
| Houston | | not one size fits all when it comes to | | Agency: An insurance sales office |
| Fredericksburg | | term life insurance. While it may make | | which is directed by a agent, |
| Lakeland | | sense for people in their 30s and 40s | | manager, independent agent, or |
| Springfield | | to secure a 20-year term length, a | | company manager. |
| Jersey City | | 10-year term might be more | | |
| Dallas | | appropriate for someone nearing | | Brokerage Department: A department |
| Costa Mesa | | retirement. | | of an insurer whose purpose is to |
| Sacramento | | | | deal with brokers in the placing of |
| Oceanside | | Life insurance, specifically Term Life, | | insurance. |
| Walnut Creek | | is arguably one of the best values in | | |
| Rome | | the entire financial services arena. | | Examiner: An employee assigned by |
| New Port Richey | | Where else can you go and get | | the state insurance department to |
| Fayetteville | | hundreds of thousands of dollars in | | audit insurers' records. |
| Athens | | protection for literally pennies per | | |
| Dothan | | day? Rates for Term Life insurance | | Malicious Mischief: Similar to |
| Los Angeles | | remain at all-time lows, and now is the | | vandalism. Purposely damaging the |
| Houston | | time to lock in the best prices. | | rights or property of another. |
