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| Bloomington | | Individuals who have 30-year | | Expense Allowance: A compensation |
| Modesto | | mortgages might want to consider a | | paid to an insurance agent in excess |
| Lexington | | 30-year term to ensure that the house | | of prescribed commissions. |
| Cookeville | | is protected throughout the period of | | |
| Owensboro | | the loan. | | Gross Premium: The net premium |
| North Hollywood | | | | plus operating expenses, |
| El Cajon | | People who are trying to quit | | commissions and other expenses. |
| Monroe | | smoking, for example, might be best | | |
| Fredericksburg | | suited purchasing a shorter term (and | | Borderline Risk: An insurance |
| Peoria | | then replacing it with a longer term | | prospect of doubtful quality from an |
| Boston | | policy when they qualify for | | underwriting point of view. |
| Thousand Oaks | | non-tobacco prices). | | |
| Winter Haven | | | | Federal Deposit Insurance |
| Williamsport | | Life insurance, specifically Term Life, | | Corporation (FDIC): An agency of the |
| Manchester | | is arguably one of the best values in | | federal government which insures |
| Johnstown | | the entire financial services arena. | | bank deposits up to a stated |
| Bronx | | Where else can you go and get | | maximum. |
| Hattiesburg | | hundreds of thousands of dollars in | | |
| South Bend | | protection for literally pennies per | | Agency Contract (or Agreement): The |
| Detroit | | day? Rates for Term Life insurance | | document which establishes the legal |
| Panama City | | remain at all-time lows, and now is the | | relationship between an agent and an |
| Chula Vista | | time to lock in the best prices. | | insurer. |
