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| Gainesville | | Shopping around is the best way to | | Deficit Carried Forward: The transfer |
| Houston | | save money on your insurance. | | of a debit balance from one |
| Aurora | | | | accounting period to another. |
| Overland Park | | The best time to switch policies is | | |
| Palm Desert | | within one month of receiving your | | First Party Insurance: Insurance which |
| Springfield | | policy renewal from your current | | applies to coverage for the insured's |
| New York | | insurer. You can typically cancel your | | own property or person. Contrast with |
| Topeka | | policy without any fees or penalties if | | Third Party Insurance. |
| Metairie | | you act within this time period. | | |
| Bellevue | | | | Professional Insurance Agents |
| Edison | | At InsWeb, you can compare free | | Association: A trade association of |
| West Chester | | online insurance quotes from many of | | mutual insurance agents. |
| Lexington | | the nations leading insurance | | |
| Denton | | companies. | | Level Commission System: A system |
| Coral Springs | | | | of commissions in which the first year |
| White Plains | | Everyone has different needs, and | | and all renewal commissions are the |
| Garland | | not one size fits all when it comes to | | same percentage of the premium. |
| Sioux Falls | | term life insurance. While it may make | | |
| Rochester | | sense for people in their 30s and 40s | | Agency: An insurance sales office |
| Rockville | | to secure a 20-year term length, a | | which is directed by a agent, |
| Erie | | 10-year term might be more | | manager, independent agent, or |
| York | | appropriate for someone nearing | | company manager. |
| Lowell | | retirement. | | |
| Reading | | | | Book Value: Refers to the value of |
| Rochester | | People who are trying to quit | | assets as shown in the official |
| Henderson | | smoking, for example, might be best | | accounting records of the company. |
| Montgomery | | suited purchasing a shorter term (and | | |
| Fort Lauderdale | | then replacing it with a longer term | | You/Your: These words are used to |
| Boynton Beach | | policy when they qualify for | | refer to the named insured in many of |
| Akron | | non-tobacco prices). | | the modernized/personalized policy |
| Fort Worth | | | | forms. |
| Whittier | | Healthy people have the best | | |
| Palm Desert | | mortality risks and thus are much | | Authorized Insurer: An insurer |
| Boynton Beach | | cheaper for companies to insure. This | | authorized by the state to transact |
| Saginaw | | translates into lower rates for the | | business in that state for specific |
| Abilene | | Super Preferred customer than | | types of insurance. |
| Morristown | | someone with higher risk factors such | | |
| Durham | | as a heart condition, cancer or | | |
| Zanesville | | diabetes. Conversely, if you were | | |
| Midland | | unhealthy when you acquired your | | |
| Schaumburg | | policy, and your health has now | | |
| West Chester | | improved, it might be time to shop for | | |
| Stamford | | a new policy, as your rates are likely | | |
| Spring Hill | | to be lower. | | |
