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| Naples | | Individuals who have 30-year | | Indemnity: Restoration to the victim of |
| Buffalo | | mortgages might want to consider a | | a loss by payment, repair, or |
| Austin | | 30-year term to ensure that the house | | replacement. |
| Youngstown | | is protected throughout the period of | | |
| Lawton | | the loan. | | Paid-In Surplus: Surplus paid in by |
| Toledo | | | | stockholders, as contrasted with |
| Schaumburg | | Everyone has different needs, and | | surplus earned through the |
| Macon | | not one size fits all when it comes to | | operations of a business. |
| Alpharetta | | term life insurance. While it may make | | |
| Phoenix | | sense for people in their 30s and 40s | | Legislative Risk: A risk faced by |
| Des Moines | | to secure a 20-year term length, a | | investors whereby changes in tax |
| Cranston | | 10-year term might be more | | laws can result in adverse effects on |
| San Diego | | appropriate for someone nearing | | the individual's investment results. |
| San Diego | | retirement. | | |
| Vineland | | | | We/Us/Our: These words are used to |
| Canton | | Make sure you have a new policy in | | refer to the insurer in many of the |
| Acworth | | place before you cancel your old one | | modernized/personalized policy |
| Youngstown | | to avoid a lapse in coverage. This will | | forms recently introduced. |
| Gulfport | | also prevent having to figure out the | | |
| Macon | | amount of any unused premium that is | | Accident Year Experience: Measures |
| St. Paul | | due to you from your old insurance | | premiums and losses relating to |
| Chula Vista | | company, or having to spar with your | | accidents which occurred during a |
| Oxnard | | agent about exactly when your policy | | 12-month period. |
| El Cajon | | was cancelled and how much they | | |
| Wichita | | owe you. | | Stock Option Plan: Surviving |
| Stockbridge | | | | stockholders have the option to |
| Norfolk | | The best time to switch policies is | | purchase or not purchase the shares |
| Panama City | | within one month of receiving your | | of a deceased stockholder. |
| Lawton | | policy renewal from your current | | |
| Bronx | | insurer. You can typically cancel your | | Exclusion: A contractual provision that |
| Jackson | | policy without any fees or penalties if | | denies coverage for certain perils, |
| Stamford | | you act within this time period. | | persons, property, or locations. |
