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| Lafayette | | Healthy people have the best | | Interstate Carrier: A transportation |
| Cherry Hill | | mortality risks and thus are much | | company which does business |
| Tyler | | cheaper for companies to insure. This | | across state lines. |
| Akron | | translates into lower rates for the | | |
| Huntsville | | Super Preferred customer than | | Deductible: The portion of an insured |
| Troy | | someone with higher risk factors such | | loss to be borne by the insured |
| Dayton | | as a heart condition, cancer or | | before he is entitled to recovery from |
| Downey | | diabetes. Conversely, if you were | | the insurer. |
| Muskegon | | unhealthy when you acquired your | | |
| Amarillo | | policy, and your health has now | | Book Value: Refers to the value of |
| West Chester | | improved, it might be time to shop for | | assets as shown in the official |
| Salem | | a new policy, as your rates are likely | | accounting records of the company. |
| Hampton | | to be lower. | | |
| Winter Haven | | | | Authorized Insurer: An insurer |
| Gulfport | | Everyone has different needs, and | | authorized by the state to transact |
| Columbus | | not one size fits all when it comes to | | business in that state for specific |
| Fremont | | term life insurance. While it may make | | types of insurance. |
| Longmont | | sense for people in their 30s and 40s | | |
| Austin | | to secure a 20-year term length, a | | First Party Insurance: Insurance which |
| Metairie | | 10-year term might be more | | applies to coverage for the insured's |
| Overland Park | | appropriate for someone nearing | | own property or person. Contrast with |
| Springfield | | retirement. | | Third Party Insurance. |
