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| Nashua | | Life insurance, specifically Term Life, | | Valued: Relating to an agreement by |
| Yuma | | is arguably one of the best values in | | an insurer to pay a specified amount |
| Grand Prairie | | the entire financial services arena. | | of money to or on behalf of the |
| El Paso | | Where else can you go and get | | insured upon occurrence of a defined |
| Reading | | hundreds of thousands of dollars in | | loss. |
| Florence | | protection for literally pennies per | | |
| Peoria | | day? Rates for Term Life insurance | | Deductible: The portion of an insured |
| Boston | | remain at all-time lows, and now is the | | loss to be borne by the insured |
| Honolulu | | time to lock in the best prices. | | before he is entitled to recovery from |
| Newport News | | | | the insurer. |
| Toledo | | We offer quotes for auto insurance, | | |
| Salt Lake City | | life insurance, homeowners | | Approved: The condition which exists |
| Lakeland | | insurance, health insurance, term life | | when the person or object to be |
| Kalamazoo | | insurance and more. | | insured meets the underwriting |
| Raleigh | | | | standards of the insurer. |
| Harlingen | | People who are trying to quit | | |
| Overland Park | | smoking, for example, might be best | | Claim Report: A report filed by an |
| North Hollywood | | suited purchasing a shorter term (and | | agent setting forth the facts of a claim. |
| Trenton | | then replacing it with a longer term | | Same as Loss Report. |
| Cypress | | policy when they qualify for | | |
| Orlando | | non-tobacco prices). | | Provisional Rate: Tentative rates, |
| Bethlehem | | | | premiums or commissions that are |
| Abilene | | Make sure you have a new policy in | | subject to subsequent adjustment. |
| Newburgh | | place before you cancel your old one | | See Commission and Premium. |
| Akron | | to avoid a lapse in coverage. This will | | |
| Fall River | | also prevent having to figure out the | | Multi-Peril Policies: Policies which |
| Garland | | amount of any unused premium that is | | cover a number of perils, such as fire, |
| Anchorage | | due to you from your old insurance | | burglary, and liability, in a single |
| Johnson City | | company, or having to spar with your | | contract. |
| St. Paul | | agent about exactly when your policy | | |
| Jasper | | was cancelled and how much they | | Basic Rate: The manual rate from |
| Montgomery | | owe you. | | which discounts are taken or to which |
| Bethlehem | | | | charges are added to reflect the |
| Trenton | | While some companies raise their | | individual circumstances of a risk. |
| Southfield | | prices based on your actual age, | | |
| Bay City | | most companies increase the price of | | |
| Acworth | | their policies six months before your | | |
| Beaumont | | birthday. Its a term called Age | | |
| Columbus | | Nearest in the industry, and that | | |
| Worcester | | half-year price increase could really | | |
| Jackson | | add up over a 20-year term policy. As | | |
| Hemet | | above, the quicker you purchase your | | |
| Dubuque | | policy the better. | | |
