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| Escondido | | While some companies raise their | | Endorsement: A written or printed form |
| Macon | | prices based on your actual age, | | attached to the policy which alters |
| Jackson | | most companies increase the price of | | provisions of the contract. |
| Florissant | | their policies six months before your | | |
| Florissant | | birthday. Its a term called Age | | Insurance Examiner: The |
| Chandler | | Nearest in the industry, and that | | representative of a state insurance |
| Pembroke Pines | | half-year price increase could really | | department assigned to participate in |
| Bloomington | | add up over a 20-year term policy. As | | the official audit and examination of |
| Torrance | | above, the quicker you purchase your | | an insurer. |
| York | | policy the better. | | |
| Edmond | | | | Paid-In Surplus: Surplus paid in by |
| Jackson | | Life insurance, specifically Term Life, | | stockholders, as contrasted with |
| Houma | | is arguably one of the best values in | | surplus earned through the |
| Birmingham | | the entire financial services arena. | | operations of a business. |
| Tulsa | | Where else can you go and get | | |
| Albany | | hundreds of thousands of dollars in | | Accident: An unplanned event, |
| Wilmington | | protection for literally pennies per | | unexpected and undesigned, which |
| Wilmington | | day? Rates for Term Life insurance | | occurs suddenly and at a definite |
| Stockton | | remain at all-time lows, and now is the | | place. |
| Flint | | time to lock in the best prices. | | |
| Harlingen | | | | Indemnify: To restore the victim of a |
| Milwaukee | | The best time to switch policies is | | loss to the same position as before |
| Frederick | | within one month of receiving your | | the loss occurred. |
| Kalamazoo | | policy renewal from your current | | |
| Toms River | | insurer. You can typically cancel your | | Agency Company: An insurance |
| Slidell | | policy without any fees or penalties if | | company that produces business |
| Saginaw | | you act within this time period. | | through an agency network. Contrast |
| Bayside | | | | with Direct Writer. |
| Kansas City | | People who are trying to quit | | |
| Odessa | | smoking, for example, might be best | | Fictitious Groups: Groups formed |
| Edison | | suited purchasing a shorter term (and | | primarily for the purpose of buying |
| Youngstown | | then replacing it with a longer term | | insurance. Under the law such groups |
| Stamford | | policy when they qualify for | | may not be underwritten. |
| Bay City | | non-tobacco prices). | | |
