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| Odessa | | Everyone has different needs, and | | Agency: An insurance sales office |
| Tallahassee | | not one size fits all when it comes to | | which is directed by a agent, |
| High Point | | term life insurance. While it may make | | manager, independent agent, or |
| Woodbridge | | sense for people in their 30s and 40s | | company manager. |
| Jackson | | to secure a 20-year term length, a | | |
| Fort Smith | | 10-year term might be more | | Inspection: Independent checking on |
| Stamford | | appropriate for someone nearing | | facts about an applicant, |
| Huntsville | | retirement. | | policyholder, or claimant, usually by a |
| Tallahassee | | | | commercial inspection agency. |
| Los Angeles | | People who are trying to quit | | |
| Gulfport | | smoking, for example, might be best | | Exclusions: Specific situations, |
| Lawrenceville | | suited purchasing a shorter term (and | | conditions, or circumstances that are |
| Malden | | then replacing it with a longer term | | listed in the contract as being not |
| Pueblo | | policy when they qualify for | | covered. |
| Zanesville | | non-tobacco prices). | | |
| Coral Springs | | | | First Party Insurance: Insurance which |
| Rochester | | Individuals who have 30-year | | applies to coverage for the insured's |
| Durham | | mortgages might want to consider a | | own property or person. Contrast with |
| Grand Junction | | 30-year term to ensure that the house | | Third Party Insurance. |
| Albuquerque | | is protected throughout the period of | | |
| Boca Raton | | the loan. | | Capital Sum: The maximum lump sum |
| Columbia | | | | payable in the event of accidental |
| Arlington | | If you decide to cancel your policy | | death or dismemberment. |
| Johnstown | | (after acquiring new coverage) | | |
| Plano | | outside of the 30-day period, you may | | Insurance to Value: Insurance written |
| Fayetteville | | have to pay a fee or penalty. | | in an amount approximating the value |
| Mountain View | | However, you may still save money | | of the property insured. |
| Belleville | | after paying the fee if your new policy | | |
| Tucson | | affords you significant savings. So | | Accident Year Experience: Measures |
| Belleville | | while it is best to wait until your | | premiums and losses relating to |
| Biloxi | | receive your renewal notice, you CAN | | accidents which occurred during a |
| Athens | | cancel your policy at any time. | | 12-month period. |
