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| Youngstown | | Everyone has different needs, and | | Losses Incurred: The total losses, |
| Youngstown | | not one size fits all when it comes to | | whether paid or not, sustained by an |
| Portland | | term life insurance. While it may make | | insurer during a given period, e.g., 12 |
| Overland Park | | sense for people in their 30s and 40s | | months. |
| Downey | | to secure a 20-year term length, a | | |
| Edison | | 10-year term might be more | | Lloyd's Broker: A person who has the |
| Stockbridge | | appropriate for someone nearing | | authority to negotiate insurance |
| Washington | | retirement. | | contracts with the underwriters on the |
| Huntington | | | | floor at Lloyd's. |
| Yonkers | | While some companies raise their | | |
| York | | prices based on your actual age, | | Capital Sum: The maximum lump sum |
| Milwaukee | | most companies increase the price of | | payable in the event of accidental |
| St. Joseph | | their policies six months before your | | death or dismemberment. |
| Yuma | | birthday. Its a term called Age | | |
| Union | | Nearest in the industry, and that | | Will Ride: Coverage that remains in |
| Boynton Beach | | half-year price increase could really | | effect regardless of the geographical |
| Acworth | | add up over a 20-year term policy. As | | location in which a loss occurs. |
| Lafayette | | above, the quicker you purchase your | | |
| High Point | | policy the better. | | Shock Loss: A catastrophic loss so |
| Slidell | | | | large that it has a material effect on |
| Carlsbad | | Individuals who have 30-year | | the underwriting results of a company. |
| Norfolk | | mortgages might want to consider a | | |
| El Cajon | | 30-year term to ensure that the house | | Policywriting Agent: An agent who has |
| Redlands | | is protected throughout the period of | | the authority to prepare and effect an |
| Kansas City | | the loan. | | insurer's policy. |
