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| Silver Spring | | While some companies raise their | | Commission of Authority: A document |
| Bellevue | | prices based on your actual age, | | outlining the powers delegated to an |
| Overland Park | | most companies increase the price of | | agent by an insurer. |
| Colorado Springs | | their policies six months before your | | |
| Bayside | | birthday. Its a term called Age | | Lapsed Policy: One which has been |
| Hot Springs | | Nearest in the industry, and that | | allowed to expire because of |
| Williamsport | | half-year price increase could really | | nonpayment of premiums. |
| Williamsport | | add up over a 20-year term policy. As | | |
| Kalamazoo | | above, the quicker you purchase your | | Policywriting Agent: An agent who has |
| Burbank | | policy the better. | | the authority to prepare and effect an |
| Chesapeake | | | | insurer's policy. |
| Buffalo | | We offer quotes for auto insurance, | | |
| Winter Park | | life insurance, homeowners | | Claim Expense: The expense of |
| Midland | | insurance, health insurance, term life | | adjusting a claim, such as |
| Nashua | | insurance and more. | | investigation and attorneys' fees. It |
| Birmingham | | | | does not include the cost of the claim |
| Evanston | | Everyone has different needs, and | | itself. |
| Bethlehem | | not one size fits all when it comes to | | |
| Bronx | | term life insurance. While it may make | | Approved Roof: A term used in |
| Longview | | sense for people in their 30s and 40s | | building construction. It indicates a |
| Minneapolis | | to secure a 20-year term length, a | | roof made of fire-resistive materials, |
| Newport News | | 10-year term might be more | | such as tile or asphalt shingles. |
| Flushing | | appropriate for someone nearing | | |
| Morristown | | retirement. | | Stock Option Plan: Surviving |
| Quincy | | | | stockholders have the option to |
| Lafayette | | If you decide to cancel your policy | | purchase or not purchase the shares |
| San Francisco | | (after acquiring new coverage) | | of a deceased stockholder. |
| Rockville | | outside of the 30-day period, you may | | |
| Williamsburg | | have to pay a fee or penalty. | | Broker-Agent: One acting as an agent |
| Overland Park | | However, you may still save money | | of one or more insurers and as a |
| Fort Collins | | after paying the fee if your new policy | | broker in dealing with one or more |
| Phoenix | | affords you significant savings. So | | other insurers. |
| Rapid City | | while it is best to wait until your | | |
| Torrance | | receive your renewal notice, you CAN | | Insurance Examiner: The |
| Fort Collins | | cancel your policy at any time. | | representative of a state insurance |
| Sterling Heights | | | | department assigned to participate in |
| Hampton | | | | the official audit and examination of |
| Columbus | | | | an insurer. |
