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| Greenville | | People who are trying to quit | | We/Us/Our: These words are used to |
| Jersey City | | smoking, for example, might be best | | refer to the insurer in many of the |
| Long Beach | | suited purchasing a shorter term (and | | modernized/personalized policy |
| Pasadena | | then replacing it with a longer term | | forms recently introduced. |
| Coral Springs | | policy when they qualify for | | |
| Washington | | non-tobacco prices). | | Foreign Insurer: An insurer domiciled |
| Fremont | | | | in a state of the United States other |
| Burbank | | Life insurance, specifically Term Life, | | than the one in which the insured's |
| Savannah | | is arguably one of the best values in | | insurance is written. |
| Bradenton | | the entire financial services arena. | | |
| Texarkana | | Where else can you go and get | | Commercial Lines: This term is used |
| Garland | | hundreds of thousands of dollars in | | to refer to insurance for businesses, |
| Kingsport | | protection for literally pennies per | | professionals, and commercial |
| Oakland | | day? Rates for Term Life insurance | | establishments. |
| Trenton | | remain at all-time lows, and now is the | | |
| Metairie | | time to lock in the best prices. | | Book Value: Refers to the value of |
| Yonkers | | | | assets as shown in the official |
| Fresno | | Make sure you have a new policy in | | accounting records of the company. |
| Augusta | | place before you cancel your old one | | |
| El Paso | | to avoid a lapse in coverage. This will | | Renewal: The reestablishment of the |
| Clarksville | | also prevent having to figure out the | | in-force status of a policy, the term of |
| Sarasota | | amount of any unused premium that is | | which has expired or will expire |
| Green Bay | | due to you from your old insurance | | unless it is renewed. |
| Columbus | | company, or having to spar with your | | |
| White Plains | | agent about exactly when your policy | | Gross Premium: The net premium |
| Thousand Oaks | | was cancelled and how much they | | plus operating expenses, |
| Jackson | | owe you. | | commissions and other expenses. |
