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| Savannah | | People who are trying to quit | | Inspection: Independent checking on |
| Myrtle Beach | | smoking, for example, might be best | | facts about an applicant, |
| South Bend | | suited purchasing a shorter term (and | | policyholder, or claimant, usually by a |
| Metairie | | then replacing it with a longer term | | commercial inspection agency. |
| Killeen | | policy when they qualify for | | |
| Winter Haven | | non-tobacco prices). | | Domestic Insurer (or Company): An |
| Decatur | | | | insurer formed under the laws of the |
| Fort Worth | | Shopping around is the best way to | | state in which the insurance is written. |
| Cedar Rapids | | save money on your insurance. | | |
| Hartford | | | | Submitted Business: Applications for |
| Reading | | Life insurance, specifically Term Life, | | insurance submitted to an insurer but |
| Lancaster | | is arguably one of the best values in | | not yet acted upon by it. |
| Springfield | | the entire financial services arena. | | |
| Omaha | | Where else can you go and get | | Partial Loss: A loss covered by an |
| Lafayette | | hundreds of thousands of dollars in | | insurance policy which does not |
| Tyler | | protection for literally pennies per | | completely destroy or render |
| Lake Worth | | day? Rates for Term Life insurance | | worthless the insured property. |
| Topeka | | remain at all-time lows, and now is the | | |
| Jackson | | time to lock in the best prices. | | Premium Receipt: The receipt given |
| Chesapeake | | | | a policy owner for the payment of a |
| Saginaw | | The quickest and easiest way to | | premium. |
| Hollywood | | shop for new insurance is by | | |
| Manchester | | comparing rates at InsWebs online | | Equity: The money value of an |
| Fort Lauderdale | | marketplace. If you do it the | | insurance company that is over and |
| Yuma | | old-fashioned way (by calling or | | above its liabilities. Liabilities include |
| Warwick | | visiting multiple agents or insurance | | almost all of its reserves. |
| Redlands | | companies) it could take up a huge | | |
| Fayetteville | | chunk of your time, which no one | | Capital Sum: The maximum lump sum |
| Kansas City | | wants or needs. By completing | | payable in the event of accidental |
| Overland Park | | InsWebs online application, you will | | death or dismemberment. |
| White Plains | | have rates to compare to your old | | |
| Joliet | | ones within minutes! | | National Auto Theft Bureau: An |
| Carlsbad | | | | organization engaged in the |
| Schaumburg | | Everyone has different needs, and | | prevention and reduction of motor |
| Palm Desert | | not one size fits all when it comes to | | vehicle fire and theft losses. |
| Pompano Beach | | term life insurance. While it may make | | |
| Longmont | | sense for people in their 30s and 40s | | |
| Newark | | to secure a 20-year term length, a | | |
| Stuart | | 10-year term might be more | | |
| Mesa | | appropriate for someone nearing | | |
| Kansas City | | retirement. | | |
