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| Las Vegas | | Life insurance, specifically Term Life, | | Domestic Insurer (or Company): An |
| Chesapeake | | is arguably one of the best values in | | insurer formed under the laws of the |
| Rockville | | the entire financial services arena. | | state in which the insurance is written. |
| Morristown | | Where else can you go and get | | |
| Muskegon | | hundreds of thousands of dollars in | | Premises: The particular location of |
| Jackson | | protection for literally pennies per | | property or a portion thereof as |
| Wichita Falls | | day? Rates for Term Life insurance | | designated in a policy. |
| Alameda | | remain at all-time lows, and now is the | | |
| Virginia Beach | | time to lock in the best prices. | | Basic Rate: The manual rate from |
| Fort Lauderdale | | | | which discounts are taken or to which |
| Anderson | | Healthy people have the best | | charges are added to reflect the |
| Norfolk | | mortality risks and thus are much | | individual circumstances of a risk. |
| Troy | | cheaper for companies to insure. This | | |
| Hampton | | translates into lower rates for the | | License: A certification of authority for |
| Pensacola | | Super Preferred customer than | | an agent or insurer to operate, given |
| Fort Lauderdale | | someone with higher risk factors such | | by the appropriate jurisdiction. |
| Wilmington | | as a heart condition, cancer or | | |
| Irvine | | diabetes. Conversely, if you were | | Sherman Antitrust Act: An antitrust law |
| Overland Park | | unhealthy when you acquired your | | from which insurance is exempted to |
| Berkeley | | policy, and your health has now | | the extent that it is regulated by state |
| Cambridge | | improved, it might be time to shop for | | law. |
| Johnstown | | a new policy, as your rates are likely | | |
| Johnson City | | to be lower. | | Other Insurance: The existence of |
| Reading | | | | other contracts covering the same |
| Cypress | | The best time to switch policies is | | interest and perils. |
| Springfield | | within one month of receiving your | | |
| Bradenton | | policy renewal from your current | | Insurance to Value: Insurance written |
| Greensboro | | insurer. You can typically cancel your | | in an amount approximating the value |
| North Hollywood | | policy without any fees or penalties if | | of the property insured. |
| Colorado Springs | | you act within this time period. | | |
| Florissant | | | | Malicious Mischief: Similar to |
| Anderson | | Make sure you have a new policy in | | vandalism. Purposely damaging the |
| Chula Vista | | place before you cancel your old one | | rights or property of another. |
| Providence | | to avoid a lapse in coverage. This will | | |
| Denton | | also prevent having to figure out the | | |
| Tacoma | | amount of any unused premium that is | | |
| Williamsport | | due to you from your old insurance | | |
| Lake Charles | | company, or having to spar with your | | |
| Sacramento | | agent about exactly when your policy | | |
| Belleville | | was cancelled and how much they | | |
| Lancaster | | owe you. | | |
