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| Fort Lauderdale | | Life insurance, specifically Term Life, | | Insurance Policy: The printed form |
| Fullerton | | is arguably one of the best values in | | which serves as the contract between |
| Belleville | | the entire financial services arena. | | an insurer and an insured. |
| Warwick | | Where else can you go and get | | |
| Owensboro | | hundreds of thousands of dollars in | | Loss Frequency: The number of times |
| Longview | | protection for literally pennies per | | a loss occurs over a specific period |
| Racine | | day? Rates for Term Life insurance | | of time. |
| Staten Island | | remain at all-time lows, and now is the | | |
| Clarksville | | time to lock in the best prices. | | Director of Insurance: A title used in |
| Palm Harbor | | | | some states for the head of the |
| Hampton | | The best time to switch policies is | | department of insurance. |
| Boston | | within one month of receiving your | | |
| Anderson | | policy renewal from your current | | Nonadmitted Insurer: An insurer not |
| Detroit | | insurer. You can typically cancel your | | licensed to do business in the |
| Fayetteville | | policy without any fees or penalties if | | jurisdiction in question. Same as |
| Burbank | | you act within this time period. | | Unauthorized Insurer and Unlicensed |
| Grand Rapids | | | | Insurer. |
| Longmont | | Shopping around is the best way to | | |
| Conroe | | save money on your insurance. | | Business: In Property, Liability, and |
| Las Cruces | | | | Health lines, it usually refers to the |
| Palm Desert | | Healthy people have the best | | volume of premiums. |
| Gainesville | | mortality risks and thus are much | | |
| Troy | | cheaper for companies to insure. This | | Tickler: A reminder system used to |
| Plano | | translates into lower rates for the | | call an individual's attention to actions |
| Rapid City | | Super Preferred customer than | | that must be taken at a future point in |
| Decatur | | someone with higher risk factors such | | time. |
| Fort Collins | | as a heart condition, cancer or | | |
| Decatur | | diabetes. Conversely, if you were | | Foreign Insurer: An insurer domiciled |
| Orlando | | unhealthy when you acquired your | | in a state of the United States other |
| Quincy | | policy, and your health has now | | than the one in which the insured's |
| Sacramento | | improved, it might be time to shop for | | insurance is written. |
| Irvine | | a new policy, as your rates are likely | | |
| Saginaw | | to be lower. | | Open Rating: A system whereby a |
| Wichita | | | | state allows an insurer to use rates |
| San Bernardino | | | | without prior approval. |
