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| Chattanooga | | If you have noticed that your auto | | Valuation Clause: A clause stating the |
| San Francisco | | insurance rates are still increasing | | value of items for insurance |
| Olympia | | with each renewal, or even have not | | purposes, making it a valued policy. |
| Santa Rosa | | gone down even though you have a | | |
| Waterloo | | great driving record, this lower pricing | | Not Taken: Policies applied for and |
| Vineland | | trend makes it more important then | | issued but rejected by the proposed |
| Edison | | ever that you shop around for auto | | owner and not paid for. |
| Tempe | | insurance. | | |
| San Diego | | | | Index Bureau Experience: A measure |
| Fairfax | | Shopping around is the best way to | | of losses relating to claims reported |
| Jackson | | save money on your insurance. | | through a claim office during a |
| Long Beach | | | | 12-month period. |
| Raleigh | | Life insurance, specifically Term Life, | | |
| Chula Vista | | is arguably one of the best values in | | License: A certification of authority for |
| Montgomery | | the entire financial services arena. | | an agent or insurer to operate, given |
| York | | Where else can you go and get | | by the appropriate jurisdiction. |
| Greenville | | hundreds of thousands of dollars in | | |
| Rochester | | protection for literally pennies per | | Endorsement: A written or printed form |
| Durham | | day? Rates for Term Life insurance | | attached to the policy which alters |
| Kansas City | | remain at all-time lows, and now is the | | provisions of the contract. |
| Chesapeake | | time to lock in the best prices. | | |
| Scottsdale | | | | Open Rating: A system whereby a |
| Dearborn | | People who are trying to quit | | state allows an insurer to use rates |
| Chattanooga | | smoking, for example, might be best | | without prior approval. |
| Peoria | | suited purchasing a shorter term (and | | |
| Torrance | | then replacing it with a longer term | | Commingling: An illegal practice |
| Boise | | policy when they qualify for | | which occurs when an agent mixes |
| Hartford | | non-tobacco prices). | | personal funds with the insured's or |
| Baltimore | | | | insurer's funds. |
| Lakeland | | Individuals who have 30-year | | |
| Wilmington | | mortgages might want to consider a | | Agency: An insurance sales office |
| Flushing | | 30-year term to ensure that the house | | which is directed by a agent, |
| Fresno | | is protected throughout the period of | | manager, independent agent, or |
| Wichita | | the loan. | | company manager. |
