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| Yonkers | | At InsWeb, you can compare free | | Amendment: A formal document |
| Odessa | | online insurance quotes from many of | | which corrects or revises an |
| Saginaw | | the nations leading insurance | | insurance master policy. |
| Henderson | | companies. | | |
| Columbia | | | | Claim Expense: The expense of |
| Columbus | | Individuals who have 30-year | | adjusting a claim, such as |
| Harlingen | | mortgages might want to consider a | | investigation and attorneys' fees. It |
| Racine | | 30-year term to ensure that the house | | does not include the cost of the claim |
| Fall River | | is protected throughout the period of | | itself. |
| Santa Rosa | | the loan. | | |
| Littleton | | | | Policywriting Agent: An agent who has |
| Mesa | | While some companies raise their | | the authority to prepare and effect an |
| Newark | | prices based on your actual age, | | insurer's policy. |
| Johnson City | | most companies increase the price of | | |
| Washington | | their policies six months before your | | Mandatory Valuation Reserve: A |
| Henderson | | birthday. Its a term called Age | | reserve required by a state law to |
| Columbia | | Nearest in the industry, and that | | offset any declines in the valuation of |
| Sioux Falls | | half-year price increase could really | | securities listed as admitted assets. |
| Fredericksburg | | add up over a 20-year term policy. As | | |
| Yuma | | above, the quicker you purchase your | | Nonassignable: A policy that the |
| Bay City | | policy the better. | | owner cannot assign to a third party. |
| Springfield | | | | Most policies are nonassignable |
| Biloxi | | Everyone has different needs, and | | unless approval is given by the |
| Tallahassee | | not one size fits all when it comes to | | insurer. |
| Alpharetta | | term life insurance. While it may make | | |
| Columbia | | sense for people in their 30s and 40s | | Lloyd's Broker: A person who has the |
| Warwick | | to secure a 20-year term length, a | | authority to negotiate insurance |
| Duluth | | 10-year term might be more | | contracts with the underwriters on the |
| Kingsport | | appropriate for someone nearing | | floor at Lloyd's. |
| Fresno | | retirement. | | |
| Dubuque | | | | Premium Notice: A form notice from |
| Greenville | | Healthy people have the best | | an insurer or agency to a policy |
| Columbus | | mortality risks and thus are much | | owner that a premium will be due on a |
| Bloomington | | cheaper for companies to insure. This | | given date. |
| Chicago | | translates into lower rates for the | | |
| San Bernardino | | Super Preferred customer than | | |
| Gainesville | | someone with higher risk factors such | | |
| Little Rock | | as a heart condition, cancer or | | |
| Livonia | | diabetes. Conversely, if you were | | |
| Tucson | | unhealthy when you acquired your | | |
| Plano | | policy, and your health has now | | |
| Lansing | | improved, it might be time to shop for | | |
| Riverside | | a new policy, as your rates are likely | | |
| Harrisburg | | to be lower. | | |