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| Woodbridge | | Shopping around is the best way to | | Sherman Antitrust Act: An antitrust law |
| Lawrenceville | | save money on your insurance. | | from which insurance is exempted to |
| Rockville | | | | the extent that it is regulated by state |
| Seattle | | Life insurance, specifically Term Life, | | law. |
| Fort Lauderdale | | is arguably one of the best values in | | |
| Union | | the entire financial services arena. | | Liquidity: The ability of an insurer to |
| Bronx | | Where else can you go and get | | convert its assets into cash to pay |
| Florence | | hundreds of thousands of dollars in | | claims if necessary. |
| Jersey City | | protection for literally pennies per | | |
| Tempe | | day? Rates for Term Life insurance | | Losses Incurred: The total losses, |
| Irving | | remain at all-time lows, and now is the | | whether paid or not, sustained by an |
| Charleston | | time to lock in the best prices. | | insurer during a given period, e.g., 12 |
| Costa Mesa | | | | months. |
| Irving | | Healthy people have the best | | |
| Marietta | | mortality risks and thus are much | | Insurance Policy: The printed form |
| Springfield | | cheaper for companies to insure. This | | which serves as the contract between |
| Lake Charles | | translates into lower rates for the | | an insurer and an insured. |
| Lafayette | | Super Preferred customer than | | |
| Birmingham | | someone with higher risk factors such | | Mandatory Valuation Reserve: A |
| Little Rock | | as a heart condition, cancer or | | reserve required by a state law to |
| Decatur | | diabetes. Conversely, if you were | | offset any declines in the valuation of |
| Toledo | | unhealthy when you acquired your | | securities listed as admitted assets. |
| St. Joseph | | policy, and your health has now | | |
| Odessa | | improved, it might be time to shop for | | Expense Allowance: A compensation |
| Panama City | | a new policy, as your rates are likely | | paid to an insurance agent in excess |
| Evansville | | to be lower. | | of prescribed commissions. |