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| Lake Worth | | Shopping around is the best way to | | Buy-Back" Deductible: A deductible |
| Peoria | | save money on your insurance. | | which may be eliminated for an |
| Pueblo | | | | additional premium in order to |
| Costa Mesa | | We offer quotes for auto insurance, | | provide "first-dollar" coverage. |
| Hollywood | | life insurance, homeowners | | |
| New Port Richey | | insurance, health insurance, term life | | Calendar Year Experience: This |
| Florence | | insurance and more. | | measures the premiums and losses |
| San Francisco | | | | entered on accounting records during |
| Seattle | | People who are trying to quit | | the 12-month calendar. |
| Johnson City | | smoking, for example, might be best | | |
| Vero Beach | | suited purchasing a shorter term (and | | Book Value: Refers to the value of |
| Chesapeake | | then replacing it with a longer term | | assets as shown in the official |
| Warren | | policy when they qualify for | | accounting records of the company. |
| Buffalo | | non-tobacco prices). | | |
| Florence | | | | Agent's Balance: A periodic |
| Reading | | Life insurance, specifically Term Life, | | statement of the sums due and owed |
| Jackson | | is arguably one of the best values in | | to an agent under the agent's contract |
| Reading | | the entire financial services arena. | | with an insurer. |
| Denton | | Where else can you go and get | | |
| Bloomington | | hundreds of thousands of dollars in | | Approved: The condition which exists |
| Yonkers | | protection for literally pennies per | | when the person or object to be |
| Jacksonville | | day? Rates for Term Life insurance | | insured meets the underwriting |
| Winter Haven | | remain at all-time lows, and now is the | | standards of the insurer. |
| Las Vegas | | time to lock in the best prices. | | |
| Livonia | | | | Mutualization: The process of |
| Waterloo | | Everyone has different needs, and | | converting a stock insurer to a mutual |
| Metairie | | not one size fits all when it comes to | | insurer, accomplished by having the |
| Sioux Falls | | term life insurance. While it may make | | insurer buy stock and retire it. |
| Odessa | | sense for people in their 30s and 40s | | |
| Fullerton | | to secure a 20-year term length, a | | Business: In Property, Liability, and |
| Tallahassee | | 10-year term might be more | | Health lines, it usually refers to the |
| Honolulu | | appropriate for someone nearing | | volume of premiums. |
| Hartford | | retirement. | | |
| Boise | | | | Cut Rate: This term generally applies |
| Hot Springs | | | | to insurance companies who charge |
| Springfield | | | | premiums below a normal or average |
| Greensboro | | | | rate. |
