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| Baltimore | | Shopping around is the best way to | | Deductible: The portion of an insured |
| Chandler | | save money on your insurance. | | loss to be borne by the insured |
| Killeen | | | | before he is entitled to recovery from |
| Fayetteville | | Life insurance, specifically Term Life, | | the insurer. |
| Toledo | | is arguably one of the best values in | | |
| Hot Springs | | the entire financial services arena. | | Brick Veneer Construction: Refers to |
| Washington | | Where else can you go and get | | a building where the outside walls are |
| Portland | | hundreds of thousands of dollars in | | constructed of wood with a facing of a |
| Sunnyvale | | protection for literally pennies per | | single layer of brick. |
| Oakland | | day? Rates for Term Life insurance | | |
| Houston | | remain at all-time lows, and now is the | | Valuation Clause: A clause stating the |
| Johnstown | | time to lock in the best prices. | | value of items for insurance |
| Westbury | | | | purposes, making it a valued policy. |
| Orange Park | | Healthy people have the best | | |
| Littleton | | mortality risks and thus are much | | Captive Agent: One who sells |
| Salt Lake City | | cheaper for companies to insure. This | | insurance for only one company as |
| Nashua | | translates into lower rates for the | | opposed to an agent who represents |
| Fremont | | Super Preferred customer than | | several companies. |
| New Port Richey | | someone with higher risk factors such | | |
| Colorado Springs | | as a heart condition, cancer or | | Endorsement: A written or printed form |
| Memphis | | diabetes. Conversely, if you were | | attached to the policy which alters |
| Alameda | | unhealthy when you acquired your | | provisions of the contract. |
| Jacksonville | | policy, and your health has now | | |
| Los Angeles | | improved, it might be time to shop for | | Sherman Antitrust Act: An antitrust law |
| Silver Spring | | a new policy, as your rates are likely | | from which insurance is exempted to |
| Belleville | | to be lower. | | the extent that it is regulated by state |
| Alexandria | | | | law. |
| Fort Smith | | If you decide to cancel your policy | | |
| Lima | | (after acquiring new coverage) | | Earned Income: The money |
| Delray Beach | | outside of the 30-day period, you may | | individuals earn as a result of working |
| Alexandria | | have to pay a fee or penalty. | | at some job or occupation for which |
| Johnson City | | However, you may still save money | | they are paid a salary. |
| Knoxville | | after paying the fee if your new policy | | |
| Erie | | affords you significant savings. So | | Producer: A term applied to an agent, |
| Huntington | | while it is best to wait until your | | solicitor or other person who sells |
| Milwaukee | | receive your renewal notice, you CAN | | insurance. |
| Bay City | | cancel your policy at any time. | | |
