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| Irvine | | Individuals who have 30-year | | Broker-Agent: One acting as an agent |
| New York | | mortgages might want to consider a | | of one or more insurers and as a |
| Gaithersburg | | 30-year term to ensure that the house | | broker in dealing with one or more |
| Boca Raton | | is protected throughout the period of | | other insurers. |
| Salt Lake City | | the loan. | | |
| Fall River | | | | Sherman Antitrust Act: An antitrust law |
| Newport Beach | | Life insurance, specifically Term Life, | | from which insurance is exempted to |
| Ocala | | is arguably one of the best values in | | the extent that it is regulated by state |
| Abilene | | the entire financial services arena. | | law. |
| Longview | | Where else can you go and get | | |
| Warwick | | hundreds of thousands of dollars in | | Provisions: Statements contained in |
| Grand Rapids | | protection for literally pennies per | | an insurance policy which explain the |
| Miami | | day? Rates for Term Life insurance | | benefits, conditions and other |
| Ocala | | remain at all-time lows, and now is the | | features of the insurance contract. |
| Gulfport | | time to lock in the best prices. | | |
| Acworth | | | | Brick Veneer Construction: Refers to |
| Mountain View | | Healthy people have the best | | a building where the outside walls are |
| Joliet | | mortality risks and thus are much | | constructed of wood with a facing of a |
| Springfield | | cheaper for companies to insure. This | | single layer of brick. |
| Jacksonville | | translates into lower rates for the | | |
| Long Island City | | Super Preferred customer than | | Business: In Property, Liability, and |
| Minneapolis | | someone with higher risk factors such | | Health lines, it usually refers to the |
| Lexington | | as a heart condition, cancer or | | volume of premiums. |
| Quincy | | diabetes. Conversely, if you were | | |
| Shreveport | | unhealthy when you acquired your | | Buy-Back" Deductible: A deductible |
| Vero Beach | | policy, and your health has now | | which may be eliminated for an |
| Virginia Beach | | improved, it might be time to shop for | | additional premium in order to |
| Durham | | a new policy, as your rates are likely | | provide "first-dollar" coverage. |
| Waco | | to be lower. | | |
| Yuma | | | | Malicious Mischief: Similar to |
| Conroe | | If you have noticed that your auto | | vandalism. Purposely damaging the |
| Las Vegas | | insurance rates are still increasing | | rights or property of another. |
| Malden | | with each renewal, or even have not | | |
| Pittsburgh | | gone down even though you have a | | Paid-In Surplus: Surplus paid in by |
| Santa Ana | | great driving record, this lower pricing | | stockholders, as contrasted with |
| Daytona Beach | | trend makes it more important then | | surplus earned through the |
| Midland | | ever that you shop around for auto | | operations of a business. |
| Trenton | | insurance. | | |
