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| Winter Park | | The best time to switch policies is | | Capital Sum: The maximum lump sum |
| Memphis | | within one month of receiving your | | payable in the event of accidental |
| Scottsdale | | policy renewal from your current | | death or dismemberment. |
| Bronx | | insurer. You can typically cancel your | | |
| Toledo | | policy without any fees or penalties if | | Retail Credit Company: The former |
| Whittier | | you act within this time period. | | name of Equifax, a credit reporting |
| Newark | | | | organization. See Equifax. |
| Madison | | While some companies raise their | | |
| Flint | | prices based on your actual age, | | Calendar Year Experience: This |
| Johnson City | | most companies increase the price of | | measures the premiums and losses |
| Colorado Springs | | their policies six months before your | | entered on accounting records during |
| Lake Charles | | birthday. Its a term called Age | | the 12-month calendar. |
| Vancouver | | Nearest in the industry, and that | | |
| South Bend | | half-year price increase could really | | Tariff Rate: A rate established by a |
| Elkhart | | add up over a 20-year term policy. As | | rating organization, which comes from |
| Alexandria | | above, the quicker you purchase your | | the tables, schedules and rules found |
| York | | policy the better. | | in the tariff of rates. |
