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| Jacksonville | | Everyone has different needs, and | | Director of Insurance: A title used in |
| Columbus | | not one size fits all when it comes to | | some states for the head of the |
| Hendersonville | | term life insurance. While it may make | | department of insurance. |
| Grand Junction | | sense for people in their 30s and 40s | | |
| Huntington | | to secure a 20-year term length, a | | Capital Sum: The maximum lump sum |
| Bethlehem | | 10-year term might be more | | payable in the event of accidental |
| Lexington | | appropriate for someone nearing | | death or dismemberment. |
| Mobile | | retirement. | | |
| St. Joseph | | | | Minimum Premium: The smallest |
| Kingsport | | People who are trying to quit | | amount of premium for which an |
| York | | smoking, for example, might be best | | insurer will issue coverage under a |
| Atlanta | | suited purchasing a shorter term (and | | given policy. |
| Richmond | | then replacing it with a longer term | | |
| Trenton | | policy when they qualify for | | Leasehold: An agreement which |
| Greenville | | non-tobacco prices). | | gives a person the right to use and |
| Albuquerque | | | | occupy property. |
| Bloomington | | Healthy people have the best | | |
| Franklin | | mortality risks and thus are much | | Time Limits: The limits of time within |
| Mountain View | | cheaper for companies to insure. This | | which notice of a claim and proof of a |
| Las Vegas | | translates into lower rates for the | | loss must be submitted. |
| Evanston | | Super Preferred customer than | | |
| Clarksville | | someone with higher risk factors such | | Deficit Carried Forward: The transfer |
| Fredericksburg | | as a heart condition, cancer or | | of a debit balance from one |
| Lancaster | | diabetes. Conversely, if you were | | accounting period to another. |
| Portland | | unhealthy when you acquired your | | |
| Asheville | | policy, and your health has now | | Absolute Assignment: Assignment by |
| Woodbridge | | improved, it might be time to shop for | | a policy owner of all control of and |
| Syracuse | | a new policy, as your rates are likely | | rights in the policy to a third party. |
| Tucson | | to be lower. | | |
| Pompano Beach | | | | Standard Industry Code (SIC): This is |
| Livonia | | The quickest and easiest way to | | a coding system which assigns |
| Clinton Township | | shop for new insurance is by | | separate codes for different types of |
| Cincinnati | | comparing rates at InsWebs online | | industries. |
| Lansing | | marketplace. If you do it the | | |
| Boca Raton | | old-fashioned way (by calling or | | |
| Palm Desert | | visiting multiple agents or insurance | | |
| Evansville | | companies) it could take up a huge | | |
| Oakland | | chunk of your time, which no one | | |
| Cherry Hill | | wants or needs. By completing | | |
| Santa Ana | | InsWebs online application, you will | | |
| Odessa | | have rates to compare to your old | | |
| Escondido | | ones within minutes! | | |
