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| Charlotte | | Individuals who have 30-year | | Captive Agent: One who sells |
| Omaha | | mortgages might want to consider a | | insurance for only one company as |
| High Point | | 30-year term to ensure that the house | | opposed to an agent who represents |
| Zanesville | | is protected throughout the period of | | several companies. |
| Odessa | | the loan. | | |
| Los Angeles | | | | Public Adjuster: An insurance adjuster |
| Rochester | | Life insurance, specifically Term Life, | | who represents an insured on a fee |
| Belleville | | is arguably one of the best values in | | basis in claims settlement. Contrast |
| Tucson | | the entire financial services arena. | | with Independent Adjuster. |
| Fort Worth | | Where else can you go and get | | |
| Huntsville | | hundreds of thousands of dollars in | | Other Insurance: The existence of |
| Winter Haven | | protection for literally pennies per | | other contracts covering the same |
| Venice | | day? Rates for Term Life insurance | | interest and perils. |
| Worcester | | remain at all-time lows, and now is the | | |
| Warren | | time to lock in the best prices. | | New For Old: Replacing old |
| Youngstown | | | | damaged parts or equipment with |
| Union | | Shopping around is the best way to | | new ones rather than repairing them. |
| Winter Park | | save money on your insurance. | | |
| Cypress | | | | Commingling: An illegal practice |
| Poughkeepsie | | Make sure you have a new policy in | | which occurs when an agent mixes |
| Lafayette | | place before you cancel your old one | | personal funds with the insured's or |
| Honolulu | | to avoid a lapse in coverage. This will | | insurer's funds. |
| Flushing | | also prevent having to figure out the | | |
| Fort Worth | | amount of any unused premium that is | | Liabilities: Money owed or expected |
| Augusta | | due to you from your old insurance | | to be owed. Insurance company |
| Fort Lauderdale | | company, or having to spar with your | | financial statements, for instance, |
| Evanston | | agent about exactly when your policy | | show assets and liabilities. |
| Monroe | | was cancelled and how much they | | |
| St. Louis | | owe you. | | Deflation: An economic period |
| Irving | | | | characterized by falling prices, high |
| Jacksonville | | The best time to switch policies is | | unemployment and a generally |
| Baton Rouge | | within one month of receiving your | | sluggish or slow economy. |
| Warren | | policy renewal from your current | | |
| Lorain | | insurer. You can typically cancel your | | Agent's Balance: A periodic |
| Hemet | | policy without any fees or penalties if | | statement of the sums due and owed |
| Acworth | | you act within this time period. | | to an agent under the agent's contract |
| Dearborn | | | | with an insurer. |
