| | | | |
|
| Rochester | | People who are trying to quit | | Producer: A term applied to an agent, |
| Williamsburg | | smoking, for example, might be best | | solicitor or other person who sells |
| Decatur | | suited purchasing a shorter term (and | | insurance. |
| Overland Park | | then replacing it with a longer term | | |
| Boulder | | policy when they qualify for | | Legislative Risk: A risk faced by |
| Fort Myers | | non-tobacco prices). | | investors whereby changes in tax |
| Lancaster | | | | laws can result in adverse effects on |
| Chandler | | Healthy people have the best | | the individual's investment results. |
| Thousand Oaks | | mortality risks and thus are much | | |
| Johnson City | | cheaper for companies to insure. This | | Expense Allowance: A compensation |
| Jackson | | translates into lower rates for the | | paid to an insurance agent in excess |
| Killeen | | Super Preferred customer than | | of prescribed commissions. |
| Bloomington | | someone with higher risk factors such | | |
| Decatur | | as a heart condition, cancer or | | Independent Contractor: One who |
| Anderson | | diabetes. Conversely, if you were | | agrees to perform according to a |
| Whittier | | unhealthy when you acquired your | | contract and who is not an employee. |
| Warren | | policy, and your health has now | | |
| Lawrenceville | | improved, it might be time to shop for | | Operating Expense: The expense of |
| Manchester | | a new policy, as your rates are likely | | an insurer other than commissions |
| Orange | | to be lower. | | and taxes. Called " and Insurance |
| Miami | | | | Expense" in the convention statement |
| Daytona Beach | | Make sure you have a new policy in | | blank. |
| West Chester | | place before you cancel your old one | | |
| Oxnard | | to avoid a lapse in coverage. This will | | Loss Frequency: The number of times |
| New Port Richey | | also prevent having to figure out the | | a loss occurs over a specific period |
| Macon | | amount of any unused premium that is | | of time. |
| Huntington | | due to you from your old insurance | | |
| St. Paul | | company, or having to spar with your | | Interstate Carrier: A transportation |
| Riverside | | agent about exactly when your policy | | company which does business |
| Birmingham | | was cancelled and how much they | | across state lines. |
| Florence | | owe you. | | |
| Lawton | | | | Insurance Policy: The printed form |
| San Francisco | | Individuals who have 30-year | | which serves as the contract between |
| Columbus | | mortgages might want to consider a | | an insurer and an insured. |
| Edmond | | 30-year term to ensure that the house | | |
| Arlington | | is protected throughout the period of | | |
| Bakersfield | | the loan. | | |
