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| Edison | | People who are trying to quit | | Agency Company: An insurance |
| Garland | | smoking, for example, might be best | | company that produces business |
| Fort Collins | | suited purchasing a shorter term (and | | through an agency network. Contrast |
| Pittsburgh | | then replacing it with a longer term | | with Direct Writer. |
| Morristown | | policy when they qualify for | | |
| Lincoln | | non-tobacco prices). | | Brokerage Department: A department |
| Monroe | | | | of an insurer whose purpose is to |
| Waco | | Everyone has different needs, and | | deal with brokers in the placing of |
| Toms River | | not one size fits all when it comes to | | insurance. |
| Portsmouth | | term life insurance. While it may make | | |
| Fort Myers | | sense for people in their 30s and 40s | | Examiner: An employee assigned by |
| Sioux City | | to secure a 20-year term length, a | | the state insurance department to |
| Lake Worth | | 10-year term might be more | | audit insurers' records. |
| Jackson | | appropriate for someone nearing | | |
| Eugene | | retirement. | | Loss Frequency: The number of times |
| Beaumont | | | | a loss occurs over a specific period |
| Williamsport | | If you decide to cancel your policy | | of time. |
| Portland | | (after acquiring new coverage) | | |
| Austin | | outside of the 30-day period, you may | | National Auto Theft Bureau: An |
| Seattle | | have to pay a fee or penalty. | | organization engaged in the |
| Milwaukee | | However, you may still save money | | prevention and reduction of motor |
| Lexington | | after paying the fee if your new policy | | vehicle fire and theft losses. |
| Springfield | | affords you significant savings. So | | |
| Burbank | | while it is best to wait until your | | Indemnify: To restore the victim of a |
| Sterling Heights | | receive your renewal notice, you CAN | | loss to the same position as before |
| Washington | | cancel your policy at any time. | | the loss occurred. |
