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| Fresno | | If you have noticed that your auto | | Deductible: The portion of an insured |
| Melbourne | | insurance rates are still increasing | | loss to be borne by the insured |
| Rapid City | | with each renewal, or even have not | | before he is entitled to recovery from |
| Hartford | | gone down even though you have a | | the insurer. |
| Racine | | great driving record, this lower pricing | | |
| Mesa | | trend makes it more important then | | You/Your: These words are used to |
| Portsmouth | | ever that you shop around for auto | | refer to the named insured in many of |
| Dubuque | | insurance. | | the modernized/personalized policy |
| Savannah | | | | forms. |
| Indianapolis | | Life insurance, specifically Term Life, | | |
| Bronx | | is arguably one of the best values in | | Independent Contractor: One who |
| Acworth | | the entire financial services arena. | | agrees to perform according to a |
| Stockbridge | | Where else can you go and get | | contract and who is not an employee. |
| Grand Junction | | hundreds of thousands of dollars in | | |
| Brooklyn | | protection for literally pennies per | | Burning Ratio: The ratio of losses |
| Irving | | day? Rates for Term Life insurance | | suffered to the amount of insurance in |
| Bethlehem | | remain at all-time lows, and now is the | | effect. |
| Cedar Rapids | | time to lock in the best prices. | | |
| Chula Vista | | | | Indemnify: To restore the victim of a |
| Sioux Falls | | Everyone has different needs, and | | loss to the same position as before |
| Cambridge | | not one size fits all when it comes to | | the loss occurred. |
| Amarillo | | term life insurance. While it may make | | |
| Winter Haven | | sense for people in their 30s and 40s | | Short Rate Premium: The premium |
| Alpharetta | | to secure a 20-year term length, a | | required for issuing a policy for a |
| Newark | | 10-year term might be more | | period less than its normal term. |
| Kansas City | | appropriate for someone nearing | | |
| Boulder | | retirement. | | Flat Cancellation: A policy which is |
| Allentown | | | | cancelled upon its effective date. |
| Lakeland | | Individuals who have 30-year | | Usually under a flat cancellation no |
| Valdosta | | mortgages might want to consider a | | premium charge is made. |
| Longview | | 30-year term to ensure that the house | | |
| Muncie | | is protected throughout the period of | | Overlapping Insurance: Coverage |
| Lakewood | | the loan. | | from two or more policies or insurers |
| Newport News | | | | which duplicates coverage of certain |
| Cypress | | | | risks. |
