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| Longview | | While some companies raise their | | Net Retention: The amount of |
| Scranton | | prices based on your actual age, | | insurance that a ceding company |
| Columbus | | most companies increase the price of | | keeps for its own account and does |
| Tuscaloosa | | their policies six months before your | | not reinsure. |
| Ocala | | birthday. Its a term called Age | | |
| Mountain View | | Nearest in the industry, and that | | Insurance Policy: The printed form |
| Portland | | half-year price increase could really | | which serves as the contract between |
| Muskegon | | add up over a 20-year term policy. As | | an insurer and an insured. |
| Grand Prairie | | above, the quicker you purchase your | | |
| Tampa | | policy the better. | | Claim: A demand made by the |
| Pensacola | | | | insured, or the insured's beneficiary, |
| Santa Rosa | | We offer quotes for auto insurance, | | for payment of the benefits provided |
| Johnstown | | life insurance, homeowners | | by the contract. |
| Zanesville | | insurance, health insurance, term life | | |
| San Jose | | insurance and more. | | Criticism: A correction suggested by a |
| Clearwater | | | | rating or auditing bureau to an insurer. |
| Cedar Rapids | | Everyone has different needs, and | | |
| Fort Wayne | | not one size fits all when it comes to | | Commingling: An illegal practice |
| St. Joseph | | term life insurance. While it may make | | which occurs when an agent mixes |
| Cookeville | | sense for people in their 30s and 40s | | personal funds with the insured's or |
| Berkeley | | to secure a 20-year term length, a | | insurer's funds. |
| Valdosta | | 10-year term might be more | | |
| St. Joseph | | appropriate for someone nearing | | Replacement: A new policy written to |
| High Point | | retirement. | | take the place of one currently in force. |
