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| Detroit | | Make sure you have a new policy in | | Lapsed Policy: One which has been |
| Tuscaloosa | | place before you cancel your old one | | allowed to expire because of |
| Quincy | | to avoid a lapse in coverage. This will | | nonpayment of premiums. |
| Cambridge | | also prevent having to figure out the | | |
| St. Paul | | amount of any unused premium that is | | Substandard Risk: A risk not |
| Spartanburg | | due to you from your old insurance | | measuring up to underwriting |
| Portland | | company, or having to spar with your | | standards. It may still be written but |
| Schaumburg | | agent about exactly when your policy | | usually at a surcharged premium. |
| White Plains | | was cancelled and how much they | | |
| Stockton | | owe you. | | Director of Insurance: A title used in |
| Pasadena | | | | some states for the head of the |
| Winter Haven | | Shopping around is the best way to | | department of insurance. |
| Denver | | save money on your insurance. | | |
| Dallas | | | | Malinger: To feign a disability for the |
| Chattanooga | | While some companies raise their | | purpose of continuing to collect |
| Schaumburg | | prices based on your actual age, | | benefits longer than actually |
| Livonia | | most companies increase the price of | | necessary. |
| Williamsburg | | their policies six months before your | | |
| Longwood | | birthday. Its a term called Age | | First Party Insurance: Insurance which |
| Alexandria | | Nearest in the industry, and that | | applies to coverage for the insured's |
| Spartanburg | | half-year price increase could really | | own property or person. Contrast with |
| Lima | | add up over a 20-year term policy. As | | Third Party Insurance. |
| Belleville | | above, the quicker you purchase your | | |
| High Point | | policy the better. | | Multi-Peril Policies: Policies which |
| Savannah | | | | cover a number of perils, such as fire, |
| Detroit | | Life insurance, specifically Term Life, | | burglary, and liability, in a single |
| Salem | | is arguably one of the best values in | | contract. |
| Greeley | | the entire financial services arena. | | |
| Fresno | | Where else can you go and get | | Agent's License: A certificate of |
| Plano | | hundreds of thousands of dollars in | | authority from the state which permits |
| Dallas | | protection for literally pennies per | | the agent to conduct business. |
| Joliet | | day? Rates for Term Life insurance | | |
| Joliet | | remain at all-time lows, and now is the | | Agency: An insurance sales office |
| Austin | | time to lock in the best prices. | | which is directed by a agent, |
| Schenectady | | | | manager, independent agent, or |
| Houma | | | | company manager. |
