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| Odessa | | While some companies raise their | | FICA. Federal Insurance Contributions |
| Newark | | prices based on your actual age, | | Act: A law imposing a payroll tax to |
| Asheville | | most companies increase the price of | | assist in funding Social Security |
| Santa Monica | | their policies six months before your | | benefits. |
| Florissant | | birthday. Its a term called Age | | |
| Joliet | | Nearest in the industry, and that | | Retrospective Premium: The final |
| Huntington | | half-year price increase could really | | premium in a retrospective rating |
| Corpus Christi | | add up over a 20-year term policy. As | | plan. See Retrospective Rating. |
| Seattle | | above, the quicker you purchase your | | |
| Glendale | | policy the better. | | Foreign Insurer: An insurer domiciled |
| Albany | | | | in a state of the United States other |
| Oakland | | If you have noticed that your auto | | than the one in which the insured's |
| Springfield | | insurance rates are still increasing | | insurance is written. |
| Hartford | | with each renewal, or even have not | | |
| Macon | | gone down even though you have a | | Multi-Peril Policies: Policies which |
| Chattanooga | | great driving record, this lower pricing | | cover a number of perils, such as fire, |
| Downey | | trend makes it more important then | | burglary, and liability, in a single |
| Rapid City | | ever that you shop around for auto | | contract. |
| Warwick | | insurance. | | |
| Dearborn | | | | Exclusions: Specific situations, |
| Longwood | | Life insurance, specifically Term Life, | | conditions, or circumstances that are |
| Kansas City | | is arguably one of the best values in | | listed in the contract as being not |
| Tuscaloosa | | the entire financial services arena. | | covered. |
| Waco | | Where else can you go and get | | |
| Albuquerque | | hundreds of thousands of dollars in | | Nonassignable: A policy that the |
| Longview | | protection for literally pennies per | | owner cannot assign to a third party. |
| Fort Smith | | day? Rates for Term Life insurance | | Most policies are nonassignable |
| Sioux Falls | | remain at all-time lows, and now is the | | unless approval is given by the |
| Irving | | time to lock in the best prices. | | insurer. |
