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| Huntsville | | While some companies raise their | | Other Insurance: The existence of |
| Alexandria | | prices based on your actual age, | | other contracts covering the same |
| Gainesville | | most companies increase the price of | | interest and perils. |
| El Cajon | | their policies six months before your | | |
| Hot Springs | | birthday. Its a term called Age | | Premium Notice: A form notice from |
| Reading | | Nearest in the industry, and that | | an insurer or agency to a policy |
| Inglewood | | half-year price increase could really | | owner that a premium will be due on a |
| Boulder | | add up over a 20-year term policy. As | | given date. |
| Bayside | | above, the quicker you purchase your | | |
| Malden | | policy the better. | | Burning Ratio: The ratio of losses |
| Portsmouth | | | | suffered to the amount of insurance in |
| Hartford | | Healthy people have the best | | effect. |
| Stamford | | mortality risks and thus are much | | |
| Oklahoma City | | cheaper for companies to insure. This | | Adjustment Bureau: A firm organized |
| Columbia | | translates into lower rates for the | | to provide adjustment services to |
| Carlsbad | | Super Preferred customer than | | insurers not wishing to create their |
| Troy | | someone with higher risk factors such | | own claims division. |
| Houston | | as a heart condition, cancer or | | |
| Stamford | | diabetes. Conversely, if you were | | Policy Period (or Term): The period |
| Cranston | | unhealthy when you acquired your | | during which the policy contract |
| Youngstown | | policy, and your health has now | | affords protection, e.g., six months or |
| Winter Haven | | improved, it might be time to shop for | | one or three years. |
| Odessa | | a new policy, as your rates are likely | | |
| Houston | | to be lower. | | Leasehold: An agreement which |
| Warren | | | | gives a person the right to use and |
| Cedar Rapids | | Life insurance, specifically Term Life, | | occupy property. |
| Lowell | | is arguably one of the best values in | | |
| Memphis | | the entire financial services arena. | | Convention Values: Values assigned |
| Beaumont | | Where else can you go and get | | to insurers' assets in the convention |
| Atlanta | | hundreds of thousands of dollars in | | blank. |
| Malden | | protection for literally pennies per | | |
| Longview | | day? Rates for Term Life insurance | | Agency Contract (or Agreement): The |
| Philadelphia | | remain at all-time lows, and now is the | | document which establishes the legal |
| Warwick | | time to lock in the best prices. | | relationship between an agent and an |
| Cranston | | | | insurer. |
