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| Grand Junction | | Everyone has different needs, and | | Buy-Back" Deductible: A deductible |
| Waterloo | | not one size fits all when it comes to | | which may be eliminated for an |
| Melbourne | | term life insurance. While it may make | | additional premium in order to |
| El Paso | | sense for people in their 30s and 40s | | provide "first-dollar" coverage. |
| Fort Worth | | to secure a 20-year term length, a | | |
| Boston | | 10-year term might be more | | Inspection: Independent checking on |
| Midland | | appropriate for someone nearing | | facts about an applicant, |
| Melbourne | | retirement. | | policyholder, or claimant, usually by a |
| Lancaster | | | | commercial inspection agency. |
| Norfolk | | People who are trying to quit | | |
| Grand Prairie | | smoking, for example, might be best | | FICA. Federal Insurance Contributions |
| Tucson | | suited purchasing a shorter term (and | | Act: A law imposing a payroll tax to |
| Long Beach | | then replacing it with a longer term | | assist in funding Social Security |
| Detroit | | policy when they qualify for | | benefits. |
| Thousand Oaks | | non-tobacco prices). | | |
| Augusta | | | | Retrospective Premium: The final |
| Gainesville | | Shopping around is the best way to | | premium in a retrospective rating |
| Dubuque | | save money on your insurance. | | plan. See Retrospective Rating. |