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| Dubuque | | Life insurance, specifically Term Life, | | Interline Endorsement: Commercial |
| Rome | | is arguably one of the best values in | | endorsements that apply, or could |
| Columbus | | the entire financial services arena. | | apply, to more than one coverage |
| Dayton | | Where else can you go and get | | part of a package policy. |
| Chandler | | hundreds of thousands of dollars in | | |
| Milwaukee | | protection for literally pennies per | | Premium Receipt: The receipt given |
| Jacksonville | | day? Rates for Term Life insurance | | a policy owner for the payment of a |
| Vancouver | | remain at all-time lows, and now is the | | premium. |
| Tempe | | time to lock in the best prices. | | |
| Evanston | | | | Level Commission System: A system |
| Torrance | | The quickest and easiest way to | | of commissions in which the first year |
| Washington | | shop for new insurance is by | | and all renewal commissions are the |
| Mesquite | | comparing rates at InsWebs online | | same percentage of the premium. |
| Boynton Beach | | marketplace. If you do it the | | |
| Springfield | | old-fashioned way (by calling or | | Public Adjuster: An insurance adjuster |
| Fairfax | | visiting multiple agents or insurance | | who represents an insured on a fee |
| Lima | | companies) it could take up a huge | | basis in claims settlement. Contrast |
| Worcester | | chunk of your time, which no one | | with Independent Adjuster. |
| Norwalk | | wants or needs. By completing | | |
| Overland Park | | InsWebs online application, you will | | Preferred Risk: Any risk considered |
| New Port Richey | | have rates to compare to your old | | to be better than the standard risk on |
| Abilene | | ones within minutes! | | which the premium rate was |
| Saginaw | | | | calculated. |
| Little Rock | | People who are trying to quit | | |
| Chandler | | smoking, for example, might be best | | Liquidity: The ability of an insurer to |
| Biloxi | | suited purchasing a shorter term (and | | convert its assets into cash to pay |
| Fremont | | then replacing it with a longer term | | claims if necessary. |
| Orange | | policy when they qualify for | | |
| Bakersfield | | non-tobacco prices). | | Effective Date: The date on which the |
| Washington | | | | protection of an insurance policy or |
| Phoenix | | Shopping around is the best way to | | bond goes into effect. |
| Portland | | save money on your insurance. | | |
| Baltimore | | | | Deflation: An economic period |
| Oceanside | | While some companies raise their | | characterized by falling prices, high |
| Louisville | | prices based on your actual age, | | unemployment and a generally |
| Stuart | | most companies increase the price of | | sluggish or slow economy. |
| Sarasota | | their policies six months before your | | |
| Warwick | | birthday. Its a term called Age | | |
| Boise | | Nearest in the industry, and that | | |
| Shreveport | | half-year price increase could really | | |
| Kansas City | | add up over a 20-year term policy. As | | |
| Boulder | | above, the quicker you purchase your | | |
| Santa Ana | | policy the better. | | |
