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| Des Moines | | Individuals who have 30-year | | Broker-Agent: One acting as an agent |
| Lorain | | mortgages might want to consider a | | of one or more insurers and as a |
| Akron | | 30-year term to ensure that the house | | broker in dealing with one or more |
| Morristown | | is protected throughout the period of | | other insurers. |
| Peoria | | the loan. | | |
| Naples | | | | Coding: A method of putting |
| Lakewood | | People who are trying to quit | | information into a numerical form for |
| Stamford | | smoking, for example, might be best | | statistical use. Most information on |
| Peoria | | suited purchasing a shorter term (and | | policies is coded and then put into |
| Fayetteville | | then replacing it with a longer term | | reports. |
| Greensboro | | policy when they qualify for | | |
| Waco | | non-tobacco prices). | | Approved Roof: A term used in |
| Lincoln | | | | building construction. It indicates a |
| Clarksville | | If you have noticed that your auto | | roof made of fire-resistive materials, |
| Lafayette | | insurance rates are still increasing | | such as tile or asphalt shingles. |
| Anderson | | with each renewal, or even have not | | |
| Vancouver | | gone down even though you have a | | Admitted (or Allowed) Assets: Assets |
| Columbus | | great driving record, this lower pricing | | whose values are permitted by state |
| Lansing | | trend makes it more important then | | law to be included in the annual |
| Naperville | | ever that you shop around for auto | | statement of the insurer. |
| Fairfax | | insurance. | | |
| Fresno | | | | Partial Loss: A loss covered by an |
| Kingsport | | While some companies raise their | | insurance policy which does not |
| Spring Hill | | prices based on your actual age, | | completely destroy or render |
| El Paso | | most companies increase the price of | | worthless the insured property. |
| Corona | | their policies six months before your | | |
| Carlsbad | | birthday. Its a term called Age | | Policywriting Agent: An agent who has |
| Youngstown | | Nearest in the industry, and that | | the authority to prepare and effect an |
| Houston | | half-year price increase could really | | insurer's policy. |
| Slidell | | add up over a 20-year term policy. As | | |
| Jackson | | above, the quicker you purchase your | | Lapsed Policy: One which has been |
| Aurora | | policy the better. | | allowed to expire because of |
| Lawton | | | | nonpayment of premiums. |
| Fredericksburg | | Everyone has different needs, and | | |
| Stuart | | not one size fits all when it comes to | | |
| West Palm Beach | | term life insurance. While it may make | | |
| Newark | | sense for people in their 30s and 40s | | |
| Anderson | | to secure a 20-year term length, a | | |
| Bayside | | 10-year term might be more | | |
| Santa Monica | | appropriate for someone nearing | | |
| Springfield | | retirement. | | |
