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| Kansas City | | People who are trying to quit | | Premises: The particular location of |
| Allentown | | smoking, for example, might be best | | property or a portion thereof as |
| Fort Collins | | suited purchasing a shorter term (and | | designated in a policy. |
| Denver | | then replacing it with a longer term | | |
| Muskegon | | policy when they qualify for | | Nonadmitted Insurer: An insurer not |
| Vero Beach | | non-tobacco prices). | | licensed to do business in the |
| Charleston | | | | jurisdiction in question. Same as |
| Cranston | | Individuals who have 30-year | | Unauthorized Insurer and Unlicensed |
| Johnson City | | mortgages might want to consider a | | Insurer. |
| Yonkers | | 30-year term to ensure that the house | | |
| Ann Arbor | | is protected throughout the period of | | Appraisal: An evaluation of property |
| New Orleans | | the loan. | | made to ascertain either the |
| Albany | | | | appropriate amount of insurance to |
| Lakewood | | While some companies raise their | | be written or the amount of loss to be |
| Spring Hill | | prices based on your actual age, | | paid. |
| Minneapolis | | most companies increase the price of | | |
| Williamsport | | their policies six months before your | | Exclusion: A contractual provision that |
| Anaheim | | birthday. Its a term called Age | | denies coverage for certain perils, |
| Albuquerque | | Nearest in the industry, and that | | persons, property, or locations. |
| Evanston | | half-year price increase could really | | |
| Hollywood | | add up over a 20-year term policy. As | | Insolvent Insurer: An insurer which is |
| Peoria | | above, the quicker you purchase your | | unable to meet its financial |
| Jasper | | policy the better. | | obligations. |
