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| Toms River | | Everyone has different needs, and | | Producer: A term applied to an agent, |
| Hollywood | | not one size fits all when it comes to | | solicitor or other person who sells |
| Decatur | | term life insurance. While it may make | | insurance. |
| Norfolk | | sense for people in their 30s and 40s | | |
| Salt Lake City | | to secure a 20-year term length, a | | Leasehold: An agreement which |
| Atlanta | | 10-year term might be more | | gives a person the right to use and |
| Ann Arbor | | appropriate for someone nearing | | occupy property. |
| Quincy | | retirement. | | |
| Muskegon | | | | Premium: The price of insurance |
| Waterloo | | Make sure you have a new policy in | | protection for a specified risk for a |
| Lima | | place before you cancel your old one | | specified period of time. |
| Manchester | | to avoid a lapse in coverage. This will | | |
| Salem | | also prevent having to figure out the | | Gross Premium: The net premium |
| Long Beach | | amount of any unused premium that is | | plus operating expenses, |
| Greensboro | | due to you from your old insurance | | commissions and other expenses. |
| Anaheim | | company, or having to spar with your | | |
| Columbia | | agent about exactly when your policy | | FICA. Federal Insurance Contributions |
| Odessa | | was cancelled and how much they | | Act: A law imposing a payroll tax to |
| Tallahassee | | owe you. | | assist in funding Social Security |
| Fullerton | | | | benefits. |
| Ventura | | Healthy people have the best | | |
| Omaha | | mortality risks and thus are much | | Brokerage Business: Business |
| Anchorage | | cheaper for companies to insure. This | | offered to an insurer by a broker. This |
| Green Bay | | translates into lower rates for the | | is sometimes called excess or |
| Milwaukee | | Super Preferred customer than | | surplus business. |
| Cape Coral | | someone with higher risk factors such | | |
| Lakeland | | as a heart condition, cancer or | | Index Bureau Experience: A measure |
| Newport News | | diabetes. Conversely, if you were | | of losses relating to claims reported |
| Chattanooga | | unhealthy when you acquired your | | through a claim office during a |
| Naperville | | policy, and your health has now | | 12-month period. |
| Indianapolis | | improved, it might be time to shop for | | |
| Overland Park | | a new policy, as your rates are likely | | Authorized Insurer: An insurer |
| Stockton | | to be lower. | | authorized by the state to transact |
| Bloomington | | | | business in that state for specific |
| Waterloo | | | | types of insurance. |
