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| Costa Mesa | | We offer quotes for auto insurance, | | Equity: The money value of an |
| Canton | | life insurance, homeowners | | insurance company that is over and |
| Kansas City | | insurance, health insurance, term life | | above its liabilities. Liabilities include |
| Portland | | insurance and more. | | almost all of its reserves. |
| Kingsport | | | | |
| Tacoma | | Individuals who have 30-year | | Lloyd's Broker: A person who has the |
| Frederick | | mortgages might want to consider a | | authority to negotiate insurance |
| Metairie | | 30-year term to ensure that the house | | contracts with the underwriters on the |
| Huntsville | | is protected throughout the period of | | floor at Lloyd's. |
| Palm Harbor | | the loan. | | |
| Orlando | | | | Provisional Rate: Tentative rates, |
| Silver Spring | | Healthy people have the best | | premiums or commissions that are |
| Oceanside | | mortality risks and thus are much | | subject to subsequent adjustment. |
| Mountain View | | cheaper for companies to insure. This | | See Commission and Premium. |
| Williamsport | | translates into lower rates for the | | |
| Dayton | | Super Preferred customer than | | Indemnity: Restoration to the victim of |
| Escondido | | someone with higher risk factors such | | a loss by payment, repair, or |
| Sioux City | | as a heart condition, cancer or | | replacement. |
| Newburgh | | diabetes. Conversely, if you were | | |
| Albuquerque | | unhealthy when you acquired your | | Brokerage Department: A department |
| Amarillo | | policy, and your health has now | | of an insurer whose purpose is to |
| Chesapeake | | improved, it might be time to shop for | | deal with brokers in the placing of |
| Elkhart | | a new policy, as your rates are likely | | insurance. |
| Grand Junction | | to be lower. | | |
| Fayetteville | | | | Accidental Bodily Injury: An injury |
| Boynton Beach | | Life insurance, specifically Term Life, | | sustained accidentally. Only the result |
| Saginaw | | is arguably one of the best values in | | need be accidental. Contrast with |
| Overland Park | | the entire financial services arena. | | Accidental Means. |
| Cookeville | | Where else can you go and get | | |
| Scranton | | hundreds of thousands of dollars in | | Adjustment Bureau: A firm organized |
| Pueblo | | protection for literally pennies per | | to provide adjustment services to |
| York | | day? Rates for Term Life insurance | | insurers not wishing to create their |
| Richmond | | remain at all-time lows, and now is the | | own claims division. |
| Spartanburg | | time to lock in the best prices. | | |
