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| Melbourne | | People who are trying to quit | | Replacement: A new policy written to |
| Austin | | smoking, for example, might be best | | take the place of one currently in force. |
| Bloomington | | suited purchasing a shorter term (and | | |
| Ann Arbor | | then replacing it with a longer term | | Buy-Back" Deductible: A deductible |
| Montgomery | | policy when they qualify for | | which may be eliminated for an |
| Knoxville | | non-tobacco prices). | | additional premium in order to |
| Waterloo | | | | provide "first-dollar" coverage. |
| Edison | | Individuals who have 30-year | | |
| Cambridge | | mortgages might want to consider a | | Divided Cover: The placing of |
| Lafayette | | 30-year term to ensure that the house | | insurance on a given subject or |
| Charlotte | | is protected throughout the period of | | object with more than one insurer. |
| Tampa | | the loan. | | |
| Rochester | | | | Paid-In Surplus: Surplus paid in by |
| Grand Rapids | | Life insurance, specifically Term Life, | | stockholders, as contrasted with |
| Sumter | | is arguably one of the best values in | | surplus earned through the |
| Toms River | | the entire financial services arena. | | operations of a business. |
| Longmont | | Where else can you go and get | | |
| Conroe | | hundreds of thousands of dollars in | | Loss Frequency: The number of times |
| Fort Smith | | protection for literally pennies per | | a loss occurs over a specific period |
| Berkeley | | day? Rates for Term Life insurance | | of time. |
| Seattle | | remain at all-time lows, and now is the | | |
| Denton | | time to lock in the best prices. | | Tickler: A reminder system used to |
| Long Island City | | | | call an individual's attention to actions |
| Austin | | Everyone has different needs, and | | that must be taken at a future point in |
| Livonia | | not one size fits all when it comes to | | time. |
| Stuart | | term life insurance. While it may make | | |
| Springfield | | sense for people in their 30s and 40s | | Net Loss: The amount of loss |
| Valdosta | | to secure a 20-year term length, a | | sustained by an insurer after giving |
| Lansing | | 10-year term might be more | | effect to all applicable reinsurance, |
| Newburgh | | appropriate for someone nearing | | salvage, and subrogation recoveries. |
| Dayton | | retirement. | | |
| Santa Barbara | | | | War Risk Insurance: Insurance |
| Johnson City | | Make sure you have a new policy in | | covering damage caused by war. |
| Stamford | | place before you cancel your old one | | Most often written by Ocean Marine |
| Tucson | | to avoid a lapse in coverage. This will | | Insurance companies covering |
| Englewood | | also prevent having to figure out the | | vessels. |
| Augusta | | amount of any unused premium that is | | |
| Coral Springs | | due to you from your old insurance | | |
| York | | company, or having to spar with your | | |
| Seattle | | agent about exactly when your policy | | |
| Gaithersburg | | was cancelled and how much they | | |
| Salt Lake City | | owe you. | | |