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| Palm Desert | | While some companies raise their | | Accident: An unplanned event, |
| Morristown | | prices based on your actual age, | | unexpected and undesigned, which |
| Union | | most companies increase the price of | | occurs suddenly and at a definite |
| Cherry Hill | | their policies six months before your | | place. |
| Bronx | | birthday. Its a term called Age | | |
| Muskegon | | Nearest in the industry, and that | | Earned Income: The money |
| Youngstown | | half-year price increase could really | | individuals earn as a result of working |
| Gainesville | | add up over a 20-year term policy. As | | at some job or occupation for which |
| Sioux City | | above, the quicker you purchase your | | they are paid a salary. |
| Asheville | | policy the better. | | |
| Johnstown | | | | Initial Premium: An amount paid at the |
| Stamford | | The quickest and easiest way to | | inception of an insurance contract, |
| Killeen | | shop for new insurance is by | | usually subject to adjustment at the |
| Wichita Falls | | comparing rates at InsWebs online | | end of the policy period. |
| Williamsport | | marketplace. If you do it the | | |
| Clarksville | | old-fashioned way (by calling or | | Indemnify: To restore the victim of a |
| Zanesville | | visiting multiple agents or insurance | | loss to the same position as before |
| Hickory | | companies) it could take up a huge | | the loss occurred. |
| Southfield | | chunk of your time, which no one | | |
| Fremont | | wants or needs. By completing | | Notice To Company: Written notice to |
| Springfield | | InsWebs online application, you will | | an insurer of the occurrence of an |
| Santa Ana | | have rates to compare to your old | | event which a claim is to be based. |
| Zanesville | | ones within minutes! | | |
| Henderson | | | | Equity: The money value of an |
| Oxnard | | Life insurance, specifically Term Life, | | insurance company that is over and |
| Livonia | | is arguably one of the best values in | | above its liabilities. Liabilities include |
| Warwick | | the entire financial services arena. | | almost all of its reserves. |
| Tucson | | Where else can you go and get | | |
| Newark | | hundreds of thousands of dollars in | | Gross Premium: The net premium |
| Bloomington | | protection for literally pennies per | | plus operating expenses, |
| Burbank | | day? Rates for Term Life insurance | | commissions and other expenses. |
| Metairie | | remain at all-time lows, and now is the | | |
| Pensacola | | time to lock in the best prices. | | Criticism: A correction suggested by a |
| Coral Springs | | | | rating or auditing bureau to an insurer. |
