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| Naples | | Make sure you have a new policy in | | Foreign Insurer: An insurer domiciled |
| Lubbock | | place before you cancel your old one | | in a state of the United States other |
| Quincy | | to avoid a lapse in coverage. This will | | than the one in which the insured's |
| Sioux City | | also prevent having to figure out the | | insurance is written. |
| Fort Collins | | amount of any unused premium that is | | |
| Bayside | | due to you from your old insurance | | Claim: A demand made by the |
| Scranton | | company, or having to spar with your | | insured, or the insured's beneficiary, |
| Franklin | | agent about exactly when your policy | | for payment of the benefits provided |
| High Point | | was cancelled and how much they | | by the contract. |
| Cambridge | | owe you. | | |
| Springfield | | | | Domestic Insurer (or Company): An |
| Monroe | | Everyone has different needs, and | | insurer formed under the laws of the |
| San Bernardino | | not one size fits all when it comes to | | state in which the insurance is written. |
| Knoxville | | term life insurance. While it may make | | |
| Olympia | | sense for people in their 30s and 40s | | Broker of Record: A broker who has |
| Omaha | | to secure a 20-year term length, a | | been designated to handle certain |
| Torrance | | 10-year term might be more | | insurance contracts for the |
| Conroe | | appropriate for someone nearing | | policyholder. |
| Fullerton | | retirement. | | |
| Hampton | | | | Deflation: An economic period |
| Harlingen | | Shopping around is the best way to | | characterized by falling prices, high |
| Wilmington | | save money on your insurance. | | unemployment and a generally |
| Quincy | | | | sluggish or slow economy. |
| Williamsport | | The best time to switch policies is | | |
| Tuscaloosa | | within one month of receiving your | | Index Bureau Experience: A measure |
| Oklahoma City | | policy renewal from your current | | of losses relating to claims reported |
| Spring Hill | | insurer. You can typically cancel your | | through a claim office during a |
| Anderson | | policy without any fees or penalties if | | 12-month period. |
| Delray Beach | | you act within this time period. | | |
| Flushing | | | | Liquidity: The ability of an insurer to |
| Lincoln | | Life insurance, specifically Term Life, | | convert its assets into cash to pay |
| Olympia | | is arguably one of the best values in | | claims if necessary. |
| High Point | | the entire financial services arena. | | |
| Beaumont | | Where else can you go and get | | Insurance Examiner: The |
| Macon | | hundreds of thousands of dollars in | | representative of a state insurance |
| Sumter | | protection for literally pennies per | | department assigned to participate in |
| Cookeville | | day? Rates for Term Life insurance | | the official audit and examination of |
| Fremont | | remain at all-time lows, and now is the | | an insurer. |
| Schaumburg | | time to lock in the best prices. | | |
