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| Boynton Beach | | Individuals who have 30-year | | Admitted (or Allowed) Assets: Assets |
| Santa Monica | | mortgages might want to consider a | | whose values are permitted by state |
| Yonkers | | 30-year term to ensure that the house | | law to be included in the annual |
| Chicago | | is protected throughout the period of | | statement of the insurer. |
| Yuma | | the loan. | | |
| Las Cruces | | | | Sole Proprietorship: A business |
| Huntington Beach | | Everyone has different needs, and | | enterprise owned by one person who |
| Corpus Christi | | not one size fits all when it comes to | | is its manager and employee. |
| New York | | term life insurance. While it may make | | |
| Scottsdale | | sense for people in their 30s and 40s | | Overlapping Insurance: Coverage |
| Anderson | | to secure a 20-year term length, a | | from two or more policies or insurers |
| Schenectady | | 10-year term might be more | | which duplicates coverage of certain |
| San Bernardino | | appropriate for someone nearing | | risks. |
| Troy | | retirement. | | |
| Oakland | | | | Underwriters Laboratories, Inc. (UL): A |
| Corpus Christi | | The best time to switch policies is | | testing laboratory for manufactured |
| Huntsville | | within one month of receiving your | | items to determine their safety |
| Durham | | policy renewal from your current | | propensities. |
| Scranton | | insurer. You can typically cancel your | | |
| Stamford | | policy without any fees or penalties if | | Director of Insurance: A title used in |
| Indianapolis | | you act within this time period. | | some states for the head of the |
| Eugene | | | | department of insurance. |
| Huntington | | Make sure you have a new policy in | | |
| Portland | | place before you cancel your old one | | Brokerage Business: Business |
| Duluth | | to avoid a lapse in coverage. This will | | offered to an insurer by a broker. This |
| New York | | also prevent having to figure out the | | is sometimes called excess or |
| Evanston | | amount of any unused premium that is | | surplus business. |
| Aurora | | due to you from your old insurance | | |
| Johnson City | | company, or having to spar with your | | FICA. Federal Insurance Contributions |
| San Francisco | | agent about exactly when your policy | | Act: A law imposing a payroll tax to |
| Boise | | was cancelled and how much they | | assist in funding Social Security |
| Greenville | | owe you. | | benefits. |
