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| St. Louis | | Healthy people have the best | | Agency Contract (or Agreement): The |
| St. Joseph | | mortality risks and thus are much | | document which establishes the legal |
| Boise | | cheaper for companies to insure. This | | relationship between an agent and an |
| Stockbridge | | translates into lower rates for the | | insurer. |
| Dayton | | Super Preferred customer than | | |
| Lafayette | | someone with higher risk factors such | | Malinger: To feign a disability for the |
| Cambridge | | as a heart condition, cancer or | | purpose of continuing to collect |
| Duluth | | diabetes. Conversely, if you were | | benefits longer than actually |
| Frederick | | unhealthy when you acquired your | | necessary. |
| Sioux Falls | | policy, and your health has now | | |
| Wichita | | improved, it might be time to shop for | | Brokerage Business: Business |
| Lake Charles | | a new policy, as your rates are likely | | offered to an insurer by a broker. This |
| Warren | | to be lower. | | is sometimes called excess or |
| Austin | | | | surplus business. |
| Duluth | | We offer quotes for auto insurance, | | |
| Sioux Falls | | life insurance, homeowners | | Cut Rate: This term generally applies |
| San Diego | | insurance, health insurance, term life | | to insurance companies who charge |
| Sumter | | insurance and more. | | premiums below a normal or average |
| Santa Ana | | | | rate. |
| Lexington | | People who are trying to quit | | |
| Macon | | smoking, for example, might be best | | Will Ride: Coverage that remains in |
| Florissant | | suited purchasing a shorter term (and | | effect regardless of the geographical |
| Ocala | | then replacing it with a longer term | | location in which a loss occurs. |
| Springfield | | policy when they qualify for | | |
| Huntington Beach | | non-tobacco prices). | | Broker-Agent: One acting as an agent |
| Lansing | | | | of one or more insurers and as a |
| Killeen | | Individuals who have 30-year | | broker in dealing with one or more |
| Panama City | | mortgages might want to consider a | | other insurers. |
| Kansas City | | 30-year term to ensure that the house | | |
| Houston | | is protected throughout the period of | | Retail Credit Company: The former |
| Norwalk | | the loan. | | name of Equifax, a credit reporting |
| Spartanburg | | | | organization. See Equifax. |
| Eugene | | The quickest and easiest way to | | |
| Hendersonville | | shop for new insurance is by | | Endorsement: A written or printed form |
| Johnstown | | comparing rates at InsWebs online | | attached to the policy which alters |
| Anaheim | | marketplace. If you do it the | | provisions of the contract. |
| Longmont | | old-fashioned way (by calling or | | |
| West Chester | | visiting multiple agents or insurance | | |
| Gaithersburg | | companies) it could take up a huge | | |
| Downey | | chunk of your time, which no one | | |
| Ventura | | wants or needs. By completing | | |
| Vero Beach | | InsWebs online application, you will | | |
| Jackson | | have rates to compare to your old | | |
| White Plains | | ones within minutes! | | |
