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| Santa Ana | | People who are trying to quit | | Agent's Balance: A periodic |
| Augusta | | smoking, for example, might be best | | statement of the sums due and owed |
| Nashville | | suited purchasing a shorter term (and | | to an agent under the agent's contract |
| Decatur | | then replacing it with a longer term | | with an insurer. |
| Nashua | | policy when they qualify for | | |
| St. Paul | | non-tobacco prices). | | New For Old: Replacing old |
| Union | | | | damaged parts or equipment with |
| Salt Lake City | | Healthy people have the best | | new ones rather than repairing them. |
| Providence | | mortality risks and thus are much | | |
| Fort Myers | | cheaper for companies to insure. This | | Lapsed Policy: One which has been |
| Fresno | | translates into lower rates for the | | allowed to expire because of |
| Troy | | Super Preferred customer than | | nonpayment of premiums. |
| Fort Smith | | someone with higher risk factors such | | |
| York | | as a heart condition, cancer or | | Buy-Back" Deductible: A deductible |
| Boise | | diabetes. Conversely, if you were | | which may be eliminated for an |
| Trenton | | unhealthy when you acquired your | | additional premium in order to |
| Knoxville | | policy, and your health has now | | provide "first-dollar" coverage. |
| Corpus Christi | | improved, it might be time to shop for | | |
| Pasadena | | a new policy, as your rates are likely | | Line of Business: The classification of |
| Cedar Rapids | | to be lower. | | business as utilized in the insurance |
| Hemet | | | | industry, e.g., Fire, Allied Lines and |
| Santa Barbara | | Everyone has different needs, and | | Homeowners. |
| Jersey City | | not one size fits all when it comes to | | |
| Berkeley | | term life insurance. While it may make | | Net Retention: The amount of |
| Bradenton | | sense for people in their 30s and 40s | | insurance that a ceding company |
| Bayside | | to secure a 20-year term length, a | | keeps for its own account and does |
| West Chester | | 10-year term might be more | | not reinsure. |
| Overland Park | | appropriate for someone nearing | | |
| Lansing | | retirement. | | Insurance Examiner: The |
| Cape Coral | | | | representative of a state insurance |
| Newburgh | | Life insurance, specifically Term Life, | | department assigned to participate in |
| Bethlehem | | is arguably one of the best values in | | the official audit and examination of |
| Dubuque | | the entire financial services arena. | | an insurer. |
| Killeen | | Where else can you go and get | | |
| Garland | | hundreds of thousands of dollars in | | |
| Roanoke | | protection for literally pennies per | | |
| Wilmington | | day? Rates for Term Life insurance | | |
| Fairfax | | remain at all-time lows, and now is the | | |
| Springfield | | time to lock in the best prices. | | |