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| Newark | | Individuals who have 30-year | | Brokerage Department: A department |
| Odessa | | mortgages might want to consider a | | of an insurer whose purpose is to |
| Philadelphia | | 30-year term to ensure that the house | | deal with brokers in the placing of |
| Manchester | | is protected throughout the period of | | insurance. |
| El Cajon | | the loan. | | |
| Stamford | | | | Retrospective Premium: The final |
| El Paso | | Make sure you have a new policy in | | premium in a retrospective rating |
| Vero Beach | | place before you cancel your old one | | plan. See Retrospective Rating. |
| White Plains | | to avoid a lapse in coverage. This will | | |
| New Orleans | | also prevent having to figure out the | | Tariff Rate: A rate established by a |
| Boston | | amount of any unused premium that is | | rating organization, which comes from |
| Kansas City | | due to you from your old insurance | | the tables, schedules and rules found |
| Rochester | | company, or having to spar with your | | in the tariff of rates. |
| Vancouver | | agent about exactly when your policy | | |
| Knoxville | | was cancelled and how much they | | Leasehold: An agreement which |
| Dubuque | | owe you. | | gives a person the right to use and |
| Raleigh | | | | occupy property. |
| Delray Beach | | Healthy people have the best | | |
| Salt Lake City | | mortality risks and thus are much | | Flat Cancellation: A policy which is |
| Richmond | | cheaper for companies to insure. This | | cancelled upon its effective date. |
| Fullerton | | translates into lower rates for the | | Usually under a flat cancellation no |
| Lake Charles | | Super Preferred customer than | | premium charge is made. |
| Poughkeepsie | | someone with higher risk factors such | | |
| Newark | | as a heart condition, cancer or | | Tickler: A reminder system used to |
| Rome | | diabetes. Conversely, if you were | | call an individual's attention to actions |
| Anderson | | unhealthy when you acquired your | | that must be taken at a future point in |
| Dothan | | policy, and your health has now | | time. |
| Rapid City | | improved, it might be time to shop for | | |
| Council Bluffs | | a new policy, as your rates are likely | | Insurance Examiner: The |
| Spring Hill | | to be lower. | | representative of a state insurance |
| Lakewood | | | | department assigned to participate in |
| Gainesville | | Life insurance, specifically Term Life, | | the official audit and examination of |
| Santa Monica | | is arguably one of the best values in | | an insurer. |
| Inglewood | | the entire financial services arena. | | |
| Lorain | | Where else can you go and get | | |
| Dallas | | hundreds of thousands of dollars in | | |
| Plano | | protection for literally pennies per | | |
| Birmingham | | day? Rates for Term Life insurance | | |
| Warren | | remain at all-time lows, and now is the | | |
| Las Cruces | | time to lock in the best prices. | | |
