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| Madison | | Life insurance, specifically Term Life, | | Not Taken: Policies applied for and |
| Tulsa | | is arguably one of the best values in | | issued but rejected by the proposed |
| Birmingham | | the entire financial services arena. | | owner and not paid for. |
| Scranton | | Where else can you go and get | | |
| Shreveport | | hundreds of thousands of dollars in | | Replacement: A new policy written to |
| Fairfax | | protection for literally pennies per | | take the place of one currently in force. |
| Alameda | | day? Rates for Term Life insurance | | |
| Syracuse | | remain at all-time lows, and now is the | | Operating Expense: The expense of |
| Palo Alto | | time to lock in the best prices. | | an insurer other than commissions |
| Charlotte | | | | and taxes. Called " and Insurance |
| Oakland | | If you have noticed that your auto | | Expense" in the convention statement |
| Newark | | insurance rates are still increasing | | blank. |
| West Chester | | with each renewal, or even have not | | |
| Grand Junction | | gone down even though you have a | | Indemnity: Restoration to the victim of |
| Flushing | | great driving record, this lower pricing | | a loss by payment, repair, or |
| El Cajon | | trend makes it more important then | | replacement. |
| Canton | | ever that you shop around for auto | | |
| Fort Wayne | | insurance. | | Retail Credit Company: The former |
| Poughkeepsie | | | | name of Equifax, a credit reporting |
| Coral Springs | | If you decide to cancel your policy | | organization. See Equifax. |
| Mesa | | (after acquiring new coverage) | | |
| Mesquite | | outside of the 30-day period, you may | | Malinger: To feign a disability for the |
| Carlsbad | | have to pay a fee or penalty. | | purpose of continuing to collect |
| Malden | | However, you may still save money | | benefits longer than actually |
| Sterling Heights | | after paying the fee if your new policy | | necessary. |
| Memphis | | affords you significant savings. So | | |
| Hollywood | | while it is best to wait until your | | Paid-In Surplus: Surplus paid in by |
| Arlington | | receive your renewal notice, you CAN | | stockholders, as contrasted with |
| Bayside | | cancel your policy at any time. | | surplus earned through the |
| Winter Haven | | | | operations of a business. |
| Hartford | | Individuals who have 30-year | | |
| Belleville | | mortgages might want to consider a | | Underwriters Laboratories, Inc. (UL): A |
| Rockville | | 30-year term to ensure that the house | | testing laboratory for manufactured |
| Jersey City | | is protected throughout the period of | | items to determine their safety |
| Glendale | | the loan. | | propensities. |
