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| Monroe | | If you decide to cancel your policy | | Broker-Agent: One acting as an agent |
| Harlingen | | (after acquiring new coverage) | | of one or more insurers and as a |
| Indianapolis | | outside of the 30-day period, you may | | broker in dealing with one or more |
| Cedar Rapids | | have to pay a fee or penalty. | | other insurers. |
| Sacramento | | However, you may still save money | | |
| Erie | | after paying the fee if your new policy | | Brick Veneer Construction: Refers to |
| Jackson | | affords you significant savings. So | | a building where the outside walls are |
| St. Joseph | | while it is best to wait until your | | constructed of wood with a facing of a |
| Turlock | | receive your renewal notice, you CAN | | single layer of brick. |
| Winter Haven | | cancel your policy at any time. | | |
| Tampa | | | | Replacement: A new policy written to |
| Hendersonville | | Life insurance, specifically Term Life, | | take the place of one currently in force. |
| Tucson | | is arguably one of the best values in | | |
| West Chester | | the entire financial services arena. | | Coding: A method of putting |
| Dubuque | | Where else can you go and get | | information into a numerical form for |
| Tempe | | hundreds of thousands of dollars in | | statistical use. Most information on |
| Albany | | protection for literally pennies per | | policies is coded and then put into |
| Rome | | day? Rates for Term Life insurance | | reports. |
| Montgomery | | remain at all-time lows, and now is the | | |
| Tacoma | | time to lock in the best prices. | | New For Old: Replacing old |
| Boca Raton | | | | damaged parts or equipment with |
| Rochester | | People who are trying to quit | | new ones rather than repairing them. |
| Columbus | | smoking, for example, might be best | | |
| Littleton | | suited purchasing a shorter term (and | | Convention Values: Values assigned |
| Walnut Creek | | then replacing it with a longer term | | to insurers' assets in the convention |
| Oxnard | | policy when they qualify for | | blank. |
| Lafayette | | non-tobacco prices). | | |
| Inglewood | | | | Provisional Rate: Tentative rates, |
| Boston | | While some companies raise their | | premiums or commissions that are |
| Vero Beach | | prices based on your actual age, | | subject to subsequent adjustment. |
| New Port Richey | | most companies increase the price of | | See Commission and Premium. |
| Orange Park | | their policies six months before your | | |
| Clearwater | | birthday. Its a term called Age | | Calendar Year Experience: This |
| Albany | | Nearest in the industry, and that | | measures the premiums and losses |
| Springfield | | half-year price increase could really | | entered on accounting records during |
| Carlsbad | | add up over a 20-year term policy. As | | the 12-month calendar. |
| North Hollywood | | above, the quicker you purchase your | | |
| Houston | | policy the better. | | |
