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| Franklin | | People who are trying to quit | | Approved: The condition which exists |
| Lubbock | | smoking, for example, might be best | | when the person or object to be |
| Overland Park | | suited purchasing a shorter term (and | | insured meets the underwriting |
| Monroe | | then replacing it with a longer term | | standards of the insurer. |
| St. Joseph | | policy when they qualify for | | |
| Tampa | | non-tobacco prices). | | Malinger: To feign a disability for the |
| Bloomington | | | | purpose of continuing to collect |
| Livonia | | Healthy people have the best | | benefits longer than actually |
| Reno | | mortality risks and thus are much | | necessary. |
| Midland | | cheaper for companies to insure. This | | |
| Longview | | translates into lower rates for the | | Brokerage Business: Business |
| Hot Springs | | Super Preferred customer than | | offered to an insurer by a broker. This |
| Santa Rosa | | someone with higher risk factors such | | is sometimes called excess or |
| Philadelphia | | as a heart condition, cancer or | | surplus business. |
| Warren | | diabetes. Conversely, if you were | | |
| Harlingen | | unhealthy when you acquired your | | Collusion: An agreement, usually |
| Shreveport | | policy, and your health has now | | secret, between two or more persons |
| Boston | | improved, it might be time to shop for | | to defraud or deprive another or |
| Mountain View | | a new policy, as your rates are likely | | others of their property or rights. |
| Denver | | to be lower. | | |
| Union | | | | Effective Date: The date on which the |
| Cookeville | | We offer quotes for auto insurance, | | protection of an insurance policy or |
| Nashua | | life insurance, homeowners | | bond goes into effect. |
| Orange | | insurance, health insurance, term life | | |
| Spring Hill | | insurance and more. | | Liabilities: Money owed or expected |
| Escondido | | | | to be owed. Insurance company |
| Fort Lauderdale | | Life insurance, specifically Term Life, | | financial statements, for instance, |
| Hot Springs | | is arguably one of the best values in | | show assets and liabilities. |
| Bay City | | the entire financial services arena. | | |
| Greeley | | Where else can you go and get | | Agent's License: A certificate of |
| Orange Park | | hundreds of thousands of dollars in | | authority from the state which permits |
| Independence | | protection for literally pennies per | | the agent to conduct business. |
| Scranton | | day? Rates for Term Life insurance | | |
| Salem | | remain at all-time lows, and now is the | | Policy Anniversary: The anniversary |
| Henderson | | time to lock in the best prices. | | of the date of issue of a policy as |
| Clearwater | | | | shown in the policy declarations. |
