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| Dallas | | Everyone has different needs, and | | Underwriters Laboratories, Inc. (UL): A |
| Johnson City | | not one size fits all when it comes to | | testing laboratory for manufactured |
| Greenville | | term life insurance. While it may make | | items to determine their safety |
| Henderson | | sense for people in their 30s and 40s | | propensities. |
| Fairfax | | to secure a 20-year term length, a | | |
| Miami | | 10-year term might be more | | Admitted (or Allowed) Assets: Assets |
| Fort Myers | | appropriate for someone nearing | | whose values are permitted by state |
| Belleville | | retirement. | | law to be included in the annual |
| Midland | | | | statement of the insurer. |
| Johnstown | | The best time to switch policies is | | |
| Little Rock | | within one month of receiving your | | Agent's License: A certificate of |
| Clarksville | | policy renewal from your current | | authority from the state which permits |
| Nashville | | insurer. You can typically cancel your | | the agent to conduct business. |
| Oklahoma City | | policy without any fees or penalties if | | |
| Union | | you act within this time period. | | Retail Credit Company: The former |
| Newark | | | | name of Equifax, a credit reporting |
| Johnson City | | Life insurance, specifically Term Life, | | organization. See Equifax. |
| Walnut Creek | | is arguably one of the best values in | | |
| Cherry Hill | | the entire financial services arena. | | Tariff Rate: A rate established by a |
| Stockton | | Where else can you go and get | | rating organization, which comes from |
| Sarasota | | hundreds of thousands of dollars in | | the tables, schedules and rules found |
| Sterling Heights | | protection for literally pennies per | | in the tariff of rates. |
| Winter Haven | | day? Rates for Term Life insurance | | |
| Tempe | | remain at all-time lows, and now is the | | Premium Receipt: The receipt given |
| Cherry Hill | | time to lock in the best prices. | | a policy owner for the payment of a |
| Scottsdale | | | | premium. |
| Peoria | | People who are trying to quit | | |
| Memphis | | smoking, for example, might be best | | Policy Anniversary: The anniversary |
| Spring Hill | | suited purchasing a shorter term (and | | of the date of issue of a policy as |
| Pittsburgh | | then replacing it with a longer term | | shown in the policy declarations. |
| Miami | | policy when they qualify for | | |
| Quincy | | non-tobacco prices). | | Cash Flow Underwriting: The use of |
| Rochester | | | | rating and premium collection |
| Green Bay | | The quickest and easiest way to | | techniques by insurance companies |
| Birmingham | | shop for new insurance is by | | to maximize interest earnings on |
| Biloxi | | comparing rates at InsWebs online | | premiums. |
| Shreveport | | marketplace. If you do it the | | |
| Fort Worth | | old-fashioned way (by calling or | | |
| Lakewood | | visiting multiple agents or insurance | | |
| Davenport | | companies) it could take up a huge | | |
| Cincinnati | | chunk of your time, which no one | | |
| Vero Beach | | wants or needs. By completing | | |
| San Antonio | | InsWebs online application, you will | | |
| Zanesville | | have rates to compare to your old | | |
| Edmond | | ones within minutes! | | |
