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| Longmont | | Life insurance, specifically Term Life, | | Malicious Mischief: Similar to |
| Las Vegas | | is arguably one of the best values in | | vandalism. Purposely damaging the |
| Denver | | the entire financial services arena. | | rights or property of another. |
| Virginia Beach | | Where else can you go and get | | |
| Yuma | | hundreds of thousands of dollars in | | Paid-In Surplus: Surplus paid in by |
| Odessa | | protection for literally pennies per | | stockholders, as contrasted with |
| Fairfax | | day? Rates for Term Life insurance | | surplus earned through the |
| Pembroke Pines | | remain at all-time lows, and now is the | | operations of a business. |
| Newark | | time to lock in the best prices. | | |
| Nashua | | | | Initial Premium: An amount paid at the |
| Bloomington | | While some companies raise their | | inception of an insurance contract, |
| Clarksville | | prices based on your actual age, | | usually subject to adjustment at the |
| Santa Monica | | most companies increase the price of | | end of the policy period. |
| Lincoln | | their policies six months before your | | |
| Jackson | | birthday. Its a term called Age | | Time Limits: The limits of time within |
| Bradenton | | Nearest in the industry, and that | | which notice of a claim and proof of a |
| Dothan | | half-year price increase could really | | loss must be submitted. |
| Oklahoma City | | add up over a 20-year term policy. As | | |
| Reno | | above, the quicker you purchase your | | Indemnity: Restoration to the victim of |
| Irving | | policy the better. | | a loss by payment, repair, or |
| Chula Vista | | | | replacement. |
| Boston | | Everyone has different needs, and | | |
| Owensboro | | not one size fits all when it comes to | | Accident Year Experience: Measures |
| Bloomington | | term life insurance. While it may make | | premiums and losses relating to |
| Wilmington | | sense for people in their 30s and 40s | | accidents which occurred during a |
| Duluth | | to secure a 20-year term length, a | | 12-month period. |
| Wichita Falls | | 10-year term might be more | | |
| Stockton | | appropriate for someone nearing | | Retail Credit Company: The former |
| Reno | | retirement. | | name of Equifax, a credit reporting |
| Westbury | | | | organization. See Equifax. |
| Belleville | | Individuals who have 30-year | | |
| Cookeville | | mortgages might want to consider a | | Liquidity: The ability of an insurer to |
| Pompano Beach | | 30-year term to ensure that the house | | convert its assets into cash to pay |
| Flushing | | is protected throughout the period of | | claims if necessary. |
| Columbia | | the loan. | | |
