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| Tulsa | | Healthy people have the best | | Short-Term Policy: A policy written for |
| Waco | | mortality risks and thus are much | | a period of less time than is normal for |
| Quincy | | cheaper for companies to insure. This | | that type of policy. |
| Alexandria | | translates into lower rates for the | | |
| Duluth | | Super Preferred customer than | | Substandard Risk: A risk not |
| Bayside | | someone with higher risk factors such | | measuring up to underwriting |
| Delray Beach | | as a heart condition, cancer or | | standards. It may still be written but |
| Hendersonville | | diabetes. Conversely, if you were | | usually at a surcharged premium. |
| Bloomington | | unhealthy when you acquired your | | |
| Cherry Hill | | policy, and your health has now | | Federal Deposit Insurance |
| Olympia | | improved, it might be time to shop for | | Corporation (FDIC): An agency of the |
| Bay City | | a new policy, as your rates are likely | | federal government which insures |
| Lincoln | | to be lower. | | bank deposits up to a stated |
| Rochester | | | | maximum. |
| Madison | | Life insurance, specifically Term Life, | | |
| Spartanburg | | is arguably one of the best values in | | Inspection: Independent checking on |
| Oxnard | | the entire financial services arena. | | facts about an applicant, |
| Southfield | | Where else can you go and get | | policyholder, or claimant, usually by a |
| Turlock | | hundreds of thousands of dollars in | | commercial inspection agency. |
| Wilmington | | protection for literally pennies per | | |
| Cypress | | day? Rates for Term Life insurance | | Gross Line: The total limit accepted |
| Franklin | | remain at all-time lows, and now is the | | by an insurer on an individual risk, |
| Syracuse | | time to lock in the best prices. | | including the amount to be reinsured. |
