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| Dubuque | | Individuals who have 30-year | | Underwriters Laboratories, Inc. (UL): A |
| Savannah | | mortgages might want to consider a | | testing laboratory for manufactured |
| Scranton | | 30-year term to ensure that the house | | items to determine their safety |
| Pittsburgh | | is protected throughout the period of | | propensities. |
| Shreveport | | the loan. | | |
| Norfolk | | | | Endorsement: A written or printed form |
| Rockford | | Make sure you have a new policy in | | attached to the policy which alters |
| Killeen | | place before you cancel your old one | | provisions of the contract. |
| Houston | | to avoid a lapse in coverage. This will | | |
| Metairie | | also prevent having to figure out the | | Stock Option Plan: Surviving |
| Fort Lauderdale | | amount of any unused premium that is | | stockholders have the option to |
| San Jose | | due to you from your old insurance | | purchase or not purchase the shares |
| Albany | | company, or having to spar with your | | of a deceased stockholder. |
| Alpharetta | | agent about exactly when your policy | | |
| Providence | | was cancelled and how much they | | Agency Company: An insurance |
| Downey | | owe you. | | company that produces business |
| Bradenton | | | | through an agency network. Contrast |
| Gainesville | | While some companies raise their | | with Direct Writer. |
| Lakeland | | prices based on your actual age, | | |
| Louisville | | most companies increase the price of | | Buy-Back" Deductible: A deductible |
| Lafayette | | their policies six months before your | | which may be eliminated for an |
| Quincy | | birthday. Its a term called Age | | additional premium in order to |
| Elkhart | | Nearest in the industry, and that | | provide "first-dollar" coverage. |
| Poughkeepsie | | half-year price increase could really | | |
| Orange Park | | add up over a 20-year term policy. As | | Partial Loss: A loss covered by an |
| Sterling Heights | | above, the quicker you purchase your | | insurance policy which does not |
| Sarasota | | policy the better. | | completely destroy or render |
| Hollywood | | | | worthless the insured property. |
| Pembroke Pines | | Everyone has different needs, and | | |
| South Bend | | not one size fits all when it comes to | | Loss Frequency: The number of times |
| Newport Beach | | term life insurance. While it may make | | a loss occurs over a specific period |
| Detroit | | sense for people in their 30s and 40s | | of time. |
| Milwaukee | | to secure a 20-year term length, a | | |
| Fayetteville | | 10-year term might be more | | Basic Rate: The manual rate from |
| Greenville | | appropriate for someone nearing | | which discounts are taken or to which |
| Boise | | retirement. | | charges are added to reflect the |
| Monroe | | | | individual circumstances of a risk. |
