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| Ocala | | Individuals who have 30-year | | Interline Endorsement: Commercial |
| Columbus | | mortgages might want to consider a | | endorsements that apply, or could |
| Newark | | 30-year term to ensure that the house | | apply, to more than one coverage |
| Tempe | | is protected throughout the period of | | part of a package policy. |
| Palm Desert | | the loan. | | |
| Waterloo | | | | Initial Premium: An amount paid at the |
| Anchorage | | Shopping around is the best way to | | inception of an insurance contract, |
| Grand Rapids | | save money on your insurance. | | usually subject to adjustment at the |
| Bronx | | | | end of the policy period. |
| Garland | | Make sure you have a new policy in | | |
| Decatur | | place before you cancel your old one | | Agency Contract (or Agreement): The |
| Wichita | | to avoid a lapse in coverage. This will | | document which establishes the legal |
| Wichita | | also prevent having to figure out the | | relationship between an agent and an |
| Pompano Beach | | amount of any unused premium that is | | insurer. |
| Yonkers | | due to you from your old insurance | | |
| Lawrenceville | | company, or having to spar with your | | Absolute Assignment: Assignment by |
| Tacoma | | agent about exactly when your policy | | a policy owner of all control of and |
| Boynton Beach | | was cancelled and how much they | | rights in the policy to a third party. |
| Fort Myers | | owe you. | | |
| Grand Prairie | | | | Paid-In Surplus: Surplus paid in by |
| Irvine | | Life insurance, specifically Term Life, | | stockholders, as contrasted with |
| Killeen | | is arguably one of the best values in | | surplus earned through the |
| St. Paul | | the entire financial services arena. | | operations of a business. |
| Akron | | Where else can you go and get | | |
| San Diego | | hundreds of thousands of dollars in | | Notice To Company: Written notice to |
| Glendale | | protection for literally pennies per | | an insurer of the occurrence of an |
| Irving | | day? Rates for Term Life insurance | | event which a claim is to be based. |
| Boynton Beach | | remain at all-time lows, and now is the | | |
| Greenville | | time to lock in the best prices. | | Index Bureau Experience: A measure |
| Greeley | | | | of losses relating to claims reported |
| Augusta | | Everyone has different needs, and | | through a claim office during a |
| Whittier | | not one size fits all when it comes to | | 12-month period. |
| Pueblo | | term life insurance. While it may make | | |
| Schaumburg | | sense for people in their 30s and 40s | | Policywriting Agent: An agent who has |
| Poughkeepsie | | to secure a 20-year term length, a | | the authority to prepare and effect an |
| Yonkers | | 10-year term might be more | | insurer's policy. |
| Sterling Heights | | appropriate for someone nearing | | |
| Rochester | | retirement. | | |
