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| Saginaw | | Life insurance, specifically Term Life, | | Accidental Bodily Injury: An injury |
| Oxnard | | is arguably one of the best values in | | sustained accidentally. Only the result |
| Fort Lauderdale | | the entire financial services arena. | | need be accidental. Contrast with |
| Sarasota | | Where else can you go and get | | Accidental Means. |
| Duluth | | hundreds of thousands of dollars in | | |
| Grand Rapids | | protection for literally pennies per | | License: A certification of authority for |
| Bakersfield | | day? Rates for Term Life insurance | | an agent or insurer to operate, given |
| Quincy | | remain at all-time lows, and now is the | | by the appropriate jurisdiction. |
| Clarksville | | time to lock in the best prices. | | |
| Englewood | | | | Underwriters Laboratories, Inc. (UL): A |
| Columbia | | People who are trying to quit | | testing laboratory for manufactured |
| Littleton | | smoking, for example, might be best | | items to determine their safety |
| Irvine | | suited purchasing a shorter term (and | | propensities. |
| Eugene | | then replacing it with a longer term | | |
| Costa Mesa | | policy when they qualify for | | Agency: An insurance sales office |
| Pompano Beach | | non-tobacco prices). | | which is directed by a agent, |
| Hemet | | | | manager, independent agent, or |
| Monroe | | At InsWeb, you can compare free | | company manager. |
| Westbury | | online insurance quotes from many of | | |
| Boynton Beach | | the nations leading insurance | | Appraisal: An evaluation of property |
| Corona | | companies. | | made to ascertain either the |
| Sioux City | | | | appropriate amount of insurance to |
| Carlsbad | | Healthy people have the best | | be written or the amount of loss to be |
| Oklahoma City | | mortality risks and thus are much | | paid. |
| Peoria | | cheaper for companies to insure. This | | |
| Costa Mesa | | translates into lower rates for the | | New For Old: Replacing old |
| Naperville | | Super Preferred customer than | | damaged parts or equipment with |
| Bloomington | | someone with higher risk factors such | | new ones rather than repairing them. |
| Texarkana | | as a heart condition, cancer or | | |
| Omaha | | diabetes. Conversely, if you were | | Calendar Year Experience: This |
| Salem | | unhealthy when you acquired your | | measures the premiums and losses |
| Gainesville | | policy, and your health has now | | entered on accounting records during |
| Anchorage | | improved, it might be time to shop for | | the 12-month calendar. |
| Williamsburg | | a new policy, as your rates are likely | | |
| Valdosta | | to be lower. | | |
