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| Vero Beach | | While some companies raise their | | Malicious Mischief: Similar to |
| Chesapeake | | prices based on your actual age, | | vandalism. Purposely damaging the |
| Decatur | | most companies increase the price of | | rights or property of another. |
| Vineland | | their policies six months before your | | |
| Roanoke | | birthday. Its a term called Age | | Society of Insurance Research: An |
| Portsmouth | | Nearest in the industry, and that | | organization which encourages |
| Salem | | half-year price increase could really | | insurance research and promotes the |
| Baltimore | | add up over a 20-year term policy. As | | exchange of ideas and methods of |
| Wilmington | | above, the quicker you purchase your | | research. |
| Duluth | | policy the better. | | |
| Cedar Rapids | | | | Collusion: An agreement, usually |
| Edison | | At InsWeb, you can compare free | | secret, between two or more persons |
| Saginaw | | online insurance quotes from many of | | to defraud or deprive another or |
| Riverside | | the nations leading insurance | | others of their property or rights. |
| Harrisburg | | companies. | | |
| Orlando | | | | Valued: Relating to an agreement by |
| Omaha | | Everyone has different needs, and | | an insurer to pay a specified amount |
| Gainesville | | not one size fits all when it comes to | | of money to or on behalf of the |
| Bay City | | term life insurance. While it may make | | insured upon occurrence of a defined |
| Anderson | | sense for people in their 30s and 40s | | loss. |
| Corona | | to secure a 20-year term length, a | | |
| Honolulu | | 10-year term might be more | | Exclusions: Specific situations, |
| Vineland | | appropriate for someone nearing | | conditions, or circumstances that are |
| Lancaster | | retirement. | | listed in the contract as being not |
| St. Joseph | | | | covered. |
| Boynton Beach | | Healthy people have the best | | |
| Carlsbad | | mortality risks and thus are much | | Equity: The money value of an |
| Portland | | cheaper for companies to insure. This | | insurance company that is over and |
| Jacksonville | | translates into lower rates for the | | above its liabilities. Liabilities include |
| Roanoke | | Super Preferred customer than | | almost all of its reserves. |
| Livonia | | someone with higher risk factors such | | |
| Rockford | | as a heart condition, cancer or | | Partial Loss: A loss covered by an |
| Cleveland | | diabetes. Conversely, if you were | | insurance policy which does not |
| Daytona Beach | | unhealthy when you acquired your | | completely destroy or render |
| Omaha | | policy, and your health has now | | worthless the insured property. |
| Lakeland | | improved, it might be time to shop for | | |
| Oxnard | | a new policy, as your rates are likely | | |
| Florence | | to be lower. | | |
