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| Shreveport | | People who are trying to quit | | Professional Insurance Agents |
| Green Bay | | smoking, for example, might be best | | Association: A trade association of |
| Wichita Falls | | suited purchasing a shorter term (and | | mutual insurance agents. |
| Littleton | | then replacing it with a longer term | | |
| Scottsdale | | policy when they qualify for | | Shock Loss: A catastrophic loss so |
| Palm Desert | | non-tobacco prices). | | large that it has a material effect on |
| St. Paul | | | | the underwriting results of a company. |
| Charleston | | Life insurance, specifically Term Life, | | |
| Odessa | | is arguably one of the best values in | | Underwriters Laboratories, Inc. (UL): A |
| Buffalo | | the entire financial services arena. | | testing laboratory for manufactured |
| Warwick | | Where else can you go and get | | items to determine their safety |
| Hartford | | hundreds of thousands of dollars in | | propensities. |
| Newark | | protection for literally pennies per | | |
| Elkhart | | day? Rates for Term Life insurance | | Premises: The particular location of |
| Amarillo | | remain at all-time lows, and now is the | | property or a portion thereof as |
| Chicago | | time to lock in the best prices. | | designated in a policy. |
