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| Anchorage | | People who are trying to quit | | You/Your: These words are used to |
| Panama City | | smoking, for example, might be best | | refer to the named insured in many of |
| Stuart | | suited purchasing a shorter term (and | | the modernized/personalized policy |
| Grand Prairie | | then replacing it with a longer term | | forms. |
| Colorado Springs | | policy when they qualify for | | |
| Albany | | non-tobacco prices). | | FICA. Federal Insurance Contributions |
| Orlando | | | | Act: A law imposing a payroll tax to |
| Nashville | | Everyone has different needs, and | | assist in funding Social Security |
| Silver Spring | | not one size fits all when it comes to | | benefits. |
| Amarillo | | term life insurance. While it may make | | |
| Santa Rosa | | sense for people in their 30s and 40s | | Agency Contract (or Agreement): The |
| Clinton Township | | to secure a 20-year term length, a | | document which establishes the legal |
| Sioux City | | 10-year term might be more | | relationship between an agent and an |
| West Palm Beach | | appropriate for someone nearing | | insurer. |
| Flushing | | retirement. | | |
| Lafayette | | | | Lapsed Policy: One which has been |
| Sunnyvale | | Life insurance, specifically Term Life, | | allowed to expire because of |
| El Cajon | | is arguably one of the best values in | | nonpayment of premiums. |
| Morristown | | the entire financial services arena. | | |
| Clearwater | | Where else can you go and get | | Stock Option Plan: Surviving |
| Roanoke | | hundreds of thousands of dollars in | | stockholders have the option to |
| Whittier | | protection for literally pennies per | | purchase or not purchase the shares |
| Fort Myers | | day? Rates for Term Life insurance | | of a deceased stockholder. |
| Huntington Beach | | remain at all-time lows, and now is the | | |
| Louisville | | time to lock in the best prices. | | Open Rating: A system whereby a |
| Los Angeles | | | | state allows an insurer to use rates |
| Beaumont | | We offer quotes for auto insurance, | | without prior approval. |
| Anderson | | life insurance, homeowners | | |
| Jersey City | | insurance, health insurance, term life | | Equity: The money value of an |
| Yonkers | | insurance and more. | | insurance company that is over and |
| Riverside | | | | above its liabilities. Liabilities include |
| Newark | | Healthy people have the best | | almost all of its reserves. |
| Charleston | | mortality risks and thus are much | | |
| Lubbock | | cheaper for companies to insure. This | | Retail Credit Company: The former |
| Woodbridge | | translates into lower rates for the | | name of Equifax, a credit reporting |
| West Chester | | Super Preferred customer than | | organization. See Equifax. |
| Newport Beach | | someone with higher risk factors such | | |
| Long Beach | | as a heart condition, cancer or | | |
| Akron | | diabetes. Conversely, if you were | | |
| West Palm Beach | | unhealthy when you acquired your | | |
| Stockton | | policy, and your health has now | | |
| Irving | | improved, it might be time to shop for | | |
| Syracuse | | a new policy, as your rates are likely | | |
| Hickory | | to be lower. | | |
