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| Newark | | The best time to switch policies is | | Exclusions: Specific situations, |
| Newark | | within one month of receiving your | | conditions, or circumstances that are |
| Fresno | | policy renewal from your current | | listed in the contract as being not |
| Bloomington | | insurer. You can typically cancel your | | covered. |
| Johnstown | | policy without any fees or penalties if | | |
| Mountain View | | you act within this time period. | | Countersignature: The signature of a |
| Rapid City | | | | licensed agent or representative on a |
| Springfield | | Everyone has different needs, and | | policy. |
| Kansas City | | not one size fits all when it comes to | | |
| Rochester | | term life insurance. While it may make | | Agency: An insurance sales office |
| Sterling Heights | | sense for people in their 30s and 40s | | which is directed by a agent, |
| Troy | | to secure a 20-year term length, a | | manager, independent agent, or |
| Biloxi | | 10-year term might be more | | company manager. |
| San Antonio | | appropriate for someone nearing | | |
| Virginia Beach | | retirement. | | Convention Values: Values assigned |
| Hendersonville | | | | to insurers' assets in the convention |
| Lafayette | | Shopping around is the best way to | | blank. |
| Pompano Beach | | save money on your insurance. | | |
| Columbia | | | | Fiduciary: A person holding the funds |
| Conroe | | While some companies raise their | | or property of another in a position of |
| Seattle | | prices based on your actual age, | | trust. An example would be the |
| Tuscaloosa | | most companies increase the price of | | executor of an estate. |
| Silver Spring | | their policies six months before your | | |
| Reading | | birthday. Its a term called Age | | Approved Roof: A term used in |
| West Chester | | Nearest in the industry, and that | | building construction. It indicates a |
| Boulder | | half-year price increase could really | | roof made of fire-resistive materials, |
| Englewood | | add up over a 20-year term policy. As | | such as tile or asphalt shingles. |
| Pembroke Pines | | above, the quicker you purchase your | | |
| Milwaukee | | policy the better. | | First Party Insurance: Insurance which |
| Santa Rosa | | | | applies to coverage for the insured's |
| Inglewood | | If you have noticed that your auto | | own property or person. Contrast with |
| Bellevue | | insurance rates are still increasing | | Third Party Insurance. |
| Fayetteville | | with each renewal, or even have not | | |
| Hickory | | gone down even though you have a | | Captive Agent: One who sells |
| Grand Prairie | | great driving record, this lower pricing | | insurance for only one company as |
| Downey | | trend makes it more important then | | opposed to an agent who represents |
| Racine | | ever that you shop around for auto | | several companies. |
| Charleston | | insurance. | | |
