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| Lawrenceville | | People who are trying to quit | | Broker-Agent: One acting as an agent |
| Anaheim | | smoking, for example, might be best | | of one or more insurers and as a |
| Portland | | suited purchasing a shorter term (and | | broker in dealing with one or more |
| Atlanta | | then replacing it with a longer term | | other insurers. |
| Des Moines | | policy when they qualify for | | |
| Texarkana | | non-tobacco prices). | | Mutualization: The process of |
| Troy | | | | converting a stock insurer to a mutual |
| Riverside | | If you decide to cancel your policy | | insurer, accomplished by having the |
| St. Louis | | (after acquiring new coverage) | | insurer buy stock and retire it. |
| North Hollywood | | outside of the 30-day period, you may | | |
| Fort Myers | | have to pay a fee or penalty. | | Substandard Risk: A risk not |
| Lafayette | | However, you may still save money | | measuring up to underwriting |
| Rockford | | after paying the fee if your new policy | | standards. It may still be written but |
| Peoria | | affords you significant savings. So | | usually at a surcharged premium. |
| Manchester | | while it is best to wait until your | | |
| Syracuse | | receive your renewal notice, you CAN | | Nonadmitted Insurer: An insurer not |
| South Bend | | cancel your policy at any time. | | licensed to do business in the |
| Long Beach | | | | jurisdiction in question. Same as |
| Florissant | | Everyone has different needs, and | | Unauthorized Insurer and Unlicensed |
| Norwalk | | not one size fits all when it comes to | | Insurer. |
| Alameda | | term life insurance. While it may make | | |
| Stuart | | sense for people in their 30s and 40s | | Time Limits: The limits of time within |
| Davenport | | to secure a 20-year term length, a | | which notice of a claim and proof of a |
| Anderson | | 10-year term might be more | | loss must be submitted. |
| Jersey City | | appropriate for someone nearing | | |
| Chesapeake | | retirement. | | Independent Contractor: One who |
| Zanesville | | | | agrees to perform according to a |
| Waco | | Life insurance, specifically Term Life, | | contract and who is not an employee. |
| Davenport | | is arguably one of the best values in | | |
| Lawton | | the entire financial services arena. | | Countersignature: The signature of a |
| Columbia | | Where else can you go and get | | licensed agent or representative on a |
| Gainesville | | hundreds of thousands of dollars in | | policy. |
| Southfield | | protection for literally pennies per | | |
| Texarkana | | day? Rates for Term Life insurance | | New For Old: Replacing old |
| Jacksonville | | remain at all-time lows, and now is the | | damaged parts or equipment with |
| Fayetteville | | time to lock in the best prices. | | new ones rather than repairing them. |
