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| Lancaster | | People who are trying to quit | | Net Loss: The amount of loss |
| Jackson | | smoking, for example, might be best | | sustained by an insurer after giving |
| Anchorage | | suited purchasing a shorter term (and | | effect to all applicable reinsurance, |
| Indianapolis | | then replacing it with a longer term | | salvage, and subrogation recoveries. |
| Stamford | | policy when they qualify for | | |
| Newburgh | | non-tobacco prices). | | Buy-Back" Deductible: A deductible |
| Savannah | | | | which may be eliminated for an |
| Schaumburg | | At InsWeb, you can compare free | | additional premium in order to |
| Bayside | | online insurance quotes from many of | | provide "first-dollar" coverage. |
| San Antonio | | the nations leading insurance | | |
| Arlington | | companies. | | Replacement: A new policy written to |
| Quincy | | | | take the place of one currently in force. |
| Louisville | | Shopping around is the best way to | | |
| Troy | | save money on your insurance. | | Sole Proprietorship: A business |
| Tallahassee | | | | enterprise owned by one person who |
| Sarasota | | Life insurance, specifically Term Life, | | is its manager and employee. |
| Gaithersburg | | is arguably one of the best values in | | |
| Escondido | | the entire financial services arena. | | Short-Term Policy: A policy written for |
| Philadelphia | | Where else can you go and get | | a period of less time than is normal for |
| New York | | hundreds of thousands of dollars in | | that type of policy. |
| Las Cruces | | protection for literally pennies per | | |
| Midland | | day? Rates for Term Life insurance | | Tariff Rate: A rate established by a |
| Mansfield | | remain at all-time lows, and now is the | | rating organization, which comes from |
| St. Louis | | time to lock in the best prices. | | the tables, schedules and rules found |
| Houston | | | | in the tariff of rates. |
| Washington | | The best time to switch policies is | | |
| San Antonio | | within one month of receiving your | | New For Old: Replacing old |
| Huntington Beach | | policy renewal from your current | | damaged parts or equipment with |
| Springfield | | insurer. You can typically cancel your | | new ones rather than repairing them. |
| Providence | | policy without any fees or penalties if | | |
| Zanesville | | you act within this time period. | | Open Rating: A system whereby a |
| Fort Smith | | | | state allows an insurer to use rates |
| Palo Alto | | Healthy people have the best | | without prior approval. |
| Staten Island | | mortality risks and thus are much | | |
| Naples | | cheaper for companies to insure. This | | |
| New York | | translates into lower rates for the | | |
| Houston | | Super Preferred customer than | | |
| Denton | | someone with higher risk factors such | | |
| San Antonio | | as a heart condition, cancer or | | |
| Stockbridge | | diabetes. Conversely, if you were | | |
| Sterling Heights | | unhealthy when you acquired your | | |
| Springfield | | policy, and your health has now | | |
| Dubuque | | improved, it might be time to shop for | | |
| Bloomington | | a new policy, as your rates are likely | | |
| Oxnard | | to be lower. | | |
