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| Beaumont | | Everyone has different needs, and | | Retail Credit Company: The former |
| Southfield | | not one size fits all when it comes to | | name of Equifax, a credit reporting |
| Sumter | | term life insurance. While it may make | | organization. See Equifax. |
| Spartanburg | | sense for people in their 30s and 40s | | |
| Boston | | to secure a 20-year term length, a | | Commission of Authority: A document |
| Gulfport | | 10-year term might be more | | outlining the powers delegated to an |
| Washington | | appropriate for someone nearing | | agent by an insurer. |
| Edison | | retirement. | | |
| Rockford | | | | Substandard Risk: A risk not |
| Arlington | | The quickest and easiest way to | | measuring up to underwriting |
| Sumter | | shop for new insurance is by | | standards. It may still be written but |
| Beaumont | | comparing rates at InsWebs online | | usually at a surcharged premium. |
| Davenport | | marketplace. If you do it the | | |
| Las Vegas | | old-fashioned way (by calling or | | Absolute Assignment: Assignment by |
| Gaithersburg | | visiting multiple agents or insurance | | a policy owner of all control of and |
| Monroe | | companies) it could take up a huge | | rights in the policy to a third party. |
| Athens | | chunk of your time, which no one | | |
| Hot Springs | | wants or needs. By completing | | Sole Proprietorship: A business |
| Plano | | InsWebs online application, you will | | enterprise owned by one person who |
| Alexandria | | have rates to compare to your old | | is its manager and employee. |
| Fort Smith | | ones within minutes! | | |
| Spokane | | | | You/Your: These words are used to |
| Metairie | | While some companies raise their | | refer to the named insured in many of |
| Jackson | | prices based on your actual age, | | the modernized/personalized policy |
| Winter Haven | | most companies increase the price of | | forms. |
| North Hollywood | | their policies six months before your | | |
| Lawrenceville | | birthday. Its a term called Age | | Inspection: Independent checking on |
| St. Joseph | | Nearest in the industry, and that | | facts about an applicant, |
| Chattanooga | | half-year price increase could really | | policyholder, or claimant, usually by a |
| Palm Desert | | add up over a 20-year term policy. As | | commercial inspection agency. |
| Corona | | above, the quicker you purchase your | | |
| Santa Barbara | | policy the better. | | Agency Contract (or Agreement): The |
| Carlsbad | | | | document which establishes the legal |
| Naperville | | Life insurance, specifically Term Life, | | relationship between an agent and an |
| Birmingham | | is arguably one of the best values in | | insurer. |
| Longmont | | the entire financial services arena. | | |
| Palo Alto | | Where else can you go and get | | |
| Melbourne | | hundreds of thousands of dollars in | | |
| Aurora | | protection for literally pennies per | | |
| Palo Alto | | day? Rates for Term Life insurance | | |
| Allentown | | remain at all-time lows, and now is the | | |
| Greensboro | | time to lock in the best prices. | | |
