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| Warwick | | Healthy people have the best | | Claim Expense: The expense of |
| Burbank | | mortality risks and thus are much | | adjusting a claim, such as |
| Duluth | | cheaper for companies to insure. This | | investigation and attorneys' fees. It |
| Sterling Heights | | translates into lower rates for the | | does not include the cost of the claim |
| Tyler | | Super Preferred customer than | | itself. |
| Mesa | | someone with higher risk factors such | | |
| Escondido | | as a heart condition, cancer or | | Monoline Policy: Any insurance |
| Stuart | | diabetes. Conversely, if you were | | coverage written as a single line |
| Henderson | | unhealthy when you acquired your | | policy. Contrast with Multiple Line or |
| Irvine | | policy, and your health has now | | Package policy. |
| Vineland | | improved, it might be time to shop for | | |
| Denton | | a new policy, as your rates are likely | | Insurance to Value: Insurance written |
| Greeley | | to be lower. | | in an amount approximating the value |
| Green Bay | | | | of the property insured. |
| Daytona Beach | | Everyone has different needs, and | | |
| Chula Vista | | not one size fits all when it comes to | | Effective Date: The date on which the |
| Lansing | | term life insurance. While it may make | | protection of an insurance policy or |
| Bradenton | | sense for people in their 30s and 40s | | bond goes into effect. |
| Raleigh | | to secure a 20-year term length, a | | |
| Stamford | | 10-year term might be more | | Producer: A term applied to an agent, |
| West Chester | | appropriate for someone nearing | | solicitor or other person who sells |
| Sunnyvale | | retirement. | | insurance. |
