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| Austin | | People who are trying to quit | | Society of Insurance Research: An |
| Louisville | | smoking, for example, might be best | | organization which encourages |
| Roanoke | | suited purchasing a shorter term (and | | insurance research and promotes the |
| Westbury | | then replacing it with a longer term | | exchange of ideas and methods of |
| Riverside | | policy when they qualify for | | research. |
| Dallas | | non-tobacco prices). | | |
| Corpus Christi | | | | Gross Line: The total limit accepted |
| Monroe | | Life insurance, specifically Term Life, | | by an insurer on an individual risk, |
| Denver | | is arguably one of the best values in | | including the amount to be reinsured. |
| Muncie | | the entire financial services arena. | | |
| Syracuse | | Where else can you go and get | | Replacement: A new policy written to |
| Lakeland | | hundreds of thousands of dollars in | | take the place of one currently in force. |
| Pembroke Pines | | protection for literally pennies per | | |
| Gulfport | | day? Rates for Term Life insurance | | Agency Company: An insurance |
| Tulsa | | remain at all-time lows, and now is the | | company that produces business |
| Edmond | | time to lock in the best prices. | | through an agency network. Contrast |
| Harlingen | | | | with Direct Writer. |
| Fresno | | If you decide to cancel your policy | | |
| Virginia Beach | | (after acquiring new coverage) | | Authorized Insurer: An insurer |
| Charlotte | | outside of the 30-day period, you may | | authorized by the state to transact |
| Marietta | | have to pay a fee or penalty. | | business in that state for specific |
| York | | However, you may still save money | | types of insurance. |
| Sioux City | | after paying the fee if your new policy | | |
| Council Bluffs | | affords you significant savings. So | | Exclusion: A contractual provision that |
| Johnson City | | while it is best to wait until your | | denies coverage for certain perils, |
| Palo Alto | | receive your renewal notice, you CAN | | persons, property, or locations. |
| Mesquite | | cancel your policy at any time. | | |
| Pueblo | | | | Mutualization: The process of |
| Pittsburgh | | Shopping around is the best way to | | converting a stock insurer to a mutual |
| Modesto | | save money on your insurance. | | insurer, accomplished by having the |
| Dothan | | | | insurer buy stock and retire it. |
| Zanesville | | Individuals who have 30-year | | |
| Grand Rapids | | mortgages might want to consider a | | Business: In Property, Liability, and |
| Reading | | 30-year term to ensure that the house | | Health lines, it usually refers to the |
| Johnson City | | is protected throughout the period of | | volume of premiums. |
| Tempe | | the loan. | | |
