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| Fort Collins | | People who are trying to quit | | Policywriting Agent: An agent who has |
| Abilene | | smoking, for example, might be best | | the authority to prepare and effect an |
| Williamsburg | | suited purchasing a shorter term (and | | insurer's policy. |
| Cape Coral | | then replacing it with a longer term | | |
| Jackson | | policy when they qualify for | | Will Ride: Coverage that remains in |
| Youngstown | | non-tobacco prices). | | effect regardless of the geographical |
| Orange | | | | location in which a loss occurs. |
| Hartford | | At InsWeb, you can compare free | | |
| Bronx | | online insurance quotes from many of | | Agent's Qualification Law: Education, |
| Melbourne | | the nations leading insurance | | experience, and other requirements |
| Monroe | | companies. | | imposed by the state upon persons |
| Zanesville | | | | desiring to be licensed as agents. |
| Jacksonville | | Make sure you have a new policy in | | |
| Youngstown | | place before you cancel your old one | | Adjustment Bureau: A firm organized |
| Abilene | | to avoid a lapse in coverage. This will | | to provide adjustment services to |
| Redlands | | also prevent having to figure out the | | insurers not wishing to create their |
| Baton Rouge | | amount of any unused premium that is | | own claims division. |
| Rapid City | | due to you from your old insurance | | |
| San Bernardino | | company, or having to spar with your | | Examiner: An employee assigned by |
| Lancaster | | agent about exactly when your policy | | the state insurance department to |
| Johnstown | | was cancelled and how much they | | audit insurers' records. |
| Williamsburg | | owe you. | | |
| Escondido | | | | Gross Line: The total limit accepted |
| Mesa | | Life insurance, specifically Term Life, | | by an insurer on an individual risk, |
| Allentown | | is arguably one of the best values in | | including the amount to be reinsured. |
| Nashua | | the entire financial services arena. | | |
| Jackson | | Where else can you go and get | | Short Rate Premium: The premium |
| Lafayette | | hundreds of thousands of dollars in | | required for issuing a policy for a |
| Cookeville | | protection for literally pennies per | | period less than its normal term. |
| Indianapolis | | day? Rates for Term Life insurance | | |
| Williamsport | | remain at all-time lows, and now is the | | Retail Credit Company: The former |
| Macon | | time to lock in the best prices. | | name of Equifax, a credit reporting |
| Washington | | | | organization. See Equifax. |
| Athens | | While some companies raise their | | |
| Arlington | | prices based on your actual age, | | |
| Bayside | | most companies increase the price of | | |
| Bethlehem | | their policies six months before your | | |
| Ann Arbor | | birthday. Its a term called Age | | |
| Las Cruces | | Nearest in the industry, and that | | |
| Omaha | | half-year price increase could really | | |
| Tempe | | add up over a 20-year term policy. As | | |
| Augusta | | above, the quicker you purchase your | | |
| Kansas City | | policy the better. | | |
