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| Vineland | | Individuals who have 30-year | | Dual Life Stock Company: A stock |
| Kansas City | | mortgages might want to consider a | | Life insurer issuing both participating |
| Salem | | 30-year term to ensure that the house | | and nonparticipating policy contracts. |
| Council Bluffs | | is protected throughout the period of | | |
| Huntington Beach | | the loan. | | Gross Premium: The net premium |
| Bayside | | | | plus operating expenses, |
| Alpharetta | | Everyone has different needs, and | | commissions and other expenses. |
| Costa Mesa | | not one size fits all when it comes to | | |
| Tallahassee | | term life insurance. While it may make | | Professional Insurance Agents |
| Colorado Springs | | sense for people in their 30s and 40s | | Association: A trade association of |
| Sumter | | to secure a 20-year term length, a | | mutual insurance agents. |
| Sacramento | | 10-year term might be more | | |
| Brooklyn | | appropriate for someone nearing | | Policy Anniversary: The anniversary |
| Marietta | | retirement. | | of the date of issue of a policy as |
| Fort Smith | | | | shown in the policy declarations. |
| Boise | | Life insurance, specifically Term Life, | | |
| Springfield | | is arguably one of the best values in | | Provisional Rate: Tentative rates, |
| Riverside | | the entire financial services arena. | | premiums or commissions that are |
| Evansville | | Where else can you go and get | | subject to subsequent adjustment. |
| Spartanburg | | hundreds of thousands of dollars in | | See Commission and Premium. |
| Peoria | | protection for literally pennies per | | |
| Little Rock | | day? Rates for Term Life insurance | | Exclusions: Specific situations, |
| Chicago | | remain at all-time lows, and now is the | | conditions, or circumstances that are |
| Charlotte | | time to lock in the best prices. | | listed in the contract as being not |
| Olympia | | | | covered. |
| Worcester | | Shopping around is the best way to | | |
| Myrtle Beach | | save money on your insurance. | | Tabular Plan: A retrospective rating |
| Southfield | | | | plan, which uses tables to furnish the |
| Pueblo | | While some companies raise their | | various values for the rating formula. |
| Santa Clara | | prices based on your actual age, | | |
| Owensboro | | most companies increase the price of | | Notice To Company: Written notice to |
| Fredericksburg | | their policies six months before your | | an insurer of the occurrence of an |
| Wichita | | birthday. Its a term called Age | | event which a claim is to be based. |
| Sarasota | | Nearest in the industry, and that | | |
| Salt Lake City | | half-year price increase could really | | |
| Clarksville | | add up over a 20-year term policy. As | | |
| Spokane | | above, the quicker you purchase your | | |
| Hickory | | policy the better. | | |
