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| Bayside | | Healthy people have the best | | Overlapping Insurance: Coverage |
| Norfolk | | mortality risks and thus are much | | from two or more policies or insurers |
| Grand Junction | | cheaper for companies to insure. This | | which duplicates coverage of certain |
| Oxnard | | translates into lower rates for the | | risks. |
| Kansas City | | Super Preferred customer than | | |
| Baton Rouge | | someone with higher risk factors such | | Standard Industry Code (SIC): This is |
| Ventura | | as a heart condition, cancer or | | a coding system which assigns |
| Racine | | diabetes. Conversely, if you were | | separate codes for different types of |
| Portland | | unhealthy when you acquired your | | industries. |
| Worcester | | policy, and your health has now | | |
| Columbus | | improved, it might be time to shop for | | Net Interest Earned: The average |
| Irvine | | a new policy, as your rates are likely | | interest earned by an insurer on its |
| Bradenton | | to be lower. | | investments after investment expense |
| Johnstown | | | | but before federal income taxes. |
| Cypress | | Everyone has different needs, and | | |
| Portland | | not one size fits all when it comes to | | Short Rate Premium: The premium |
| Davenport | | term life insurance. While it may make | | required for issuing a policy for a |
| Bloomington | | sense for people in their 30s and 40s | | period less than its normal term. |
| Corona | | to secure a 20-year term length, a | | |
| Downey | | 10-year term might be more | | War Risk Insurance: Insurance |
| Riverside | | appropriate for someone nearing | | covering damage caused by war. |
| Phoenix | | retirement. | | Most often written by Ocean Marine |
| Bronx | | | | Insurance companies covering |
| Alameda | | Life insurance, specifically Term Life, | | vessels. |
| Kansas City | | is arguably one of the best values in | | |
| Bradenton | | the entire financial services arena. | | Exclusion: A contractual provision that |
| Alameda | | Where else can you go and get | | denies coverage for certain perils, |
| Midland | | hundreds of thousands of dollars in | | persons, property, or locations. |
| Manchester | | protection for literally pennies per | | |
| Rochester | | day? Rates for Term Life insurance | | Building Code: This refers to |
| Plano | | remain at all-time lows, and now is the | | municipal or other governmental |
| Williamsport | | time to lock in the best prices. | | ordinances regulating the type of |
| Las Vegas | | | | construction of buildings within its |
| Newark | | If you decide to cancel your policy | | jurisdiction. |
| Longmont | | (after acquiring new coverage) | | |
| Bloomington | | outside of the 30-day period, you may | | |
| Sarasota | | have to pay a fee or penalty. | | |
| Fresno | | However, you may still save money | | |
| Jackson | | after paying the fee if your new policy | | |
| Mesquite | | affords you significant savings. So | | |
| Bay City | | while it is best to wait until your | | |
| Palm Desert | | receive your renewal notice, you CAN | | |
| Memphis | | cancel your policy at any time. | | |
