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| Santa Barbara | | At InsWeb, you can compare free | | Paid-In Surplus: Surplus paid in by |
| Quincy | | online insurance quotes from many of | | stockholders, as contrasted with |
| Wichita | | the nations leading insurance | | surplus earned through the |
| Norwalk | | companies. | | operations of a business. |
| Fredericksburg | | | | |
| Hartford | | Make sure you have a new policy in | | Claim: A demand made by the |
| Fayetteville | | place before you cancel your old one | | insured, or the insured's beneficiary, |
| Buffalo | | to avoid a lapse in coverage. This will | | for payment of the benefits provided |
| Stuart | | also prevent having to figure out the | | by the contract. |
| Austin | | amount of any unused premium that is | | |
| Lawrenceville | | due to you from your old insurance | | Effective Date: The date on which the |
| Roanoke | | company, or having to spar with your | | protection of an insurance policy or |
| Palo Alto | | agent about exactly when your policy | | bond goes into effect. |
| Carlsbad | | was cancelled and how much they | | |
| Alameda | | owe you. | | Deflation: An economic period |
| Bay City | | | | characterized by falling prices, high |
| Greeley | | Life insurance, specifically Term Life, | | unemployment and a generally |
| Henderson | | is arguably one of the best values in | | sluggish or slow economy. |
| Lafayette | | the entire financial services arena. | | |
| Costa Mesa | | Where else can you go and get | | Preferred Risk: Any risk considered |
| El Paso | | hundreds of thousands of dollars in | | to be better than the standard risk on |
| West Palm Beach | | protection for literally pennies per | | which the premium rate was |
| Greensboro | | day? Rates for Term Life insurance | | calculated. |
| Greeley | | remain at all-time lows, and now is the | | |
| Rochester | | time to lock in the best prices. | | Tabular Plan: A retrospective rating |
| Santa Rosa | | | | plan, which uses tables to furnish the |
| Naperville | | While some companies raise their | | various values for the rating formula. |
| Morristown | | prices based on your actual age, | | |
| Amarillo | | most companies increase the price of | | Agent's Balance: A periodic |
| Acworth | | their policies six months before your | | statement of the sums due and owed |
| Mountain View | | birthday. Its a term called Age | | to an agent under the agent's contract |
| Topeka | | Nearest in the industry, and that | | with an insurer. |
| Santa Rosa | | half-year price increase could really | | |
| Malden | | add up over a 20-year term policy. As | | Premises: The particular location of |
| Atlanta | | above, the quicker you purchase your | | property or a portion thereof as |
| Durham | | policy the better. | | designated in a policy. |
