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| Stamford | | Everyone has different needs, and | | Divided Cover: The placing of |
| Flint | | not one size fits all when it comes to | | insurance on a given subject or |
| Brooklyn | | term life insurance. While it may make | | object with more than one insurer. |
| Hattiesburg | | sense for people in their 30s and 40s | | |
| Anchorage | | to secure a 20-year term length, a | | Gross Premium: The net premium |
| Newport Beach | | 10-year term might be more | | plus operating expenses, |
| Long Island City | | appropriate for someone nearing | | commissions and other expenses. |
| Waco | | retirement. | | |
| Dothan | | | | Interline Endorsement: Commercial |
| Killeen | | At InsWeb, you can compare free | | endorsements that apply, or could |
| Dearborn | | online insurance quotes from many of | | apply, to more than one coverage |
| Baltimore | | the nations leading insurance | | part of a package policy. |
| Chesapeake | | companies. | | |
| Williamsport | | | | Accident: An unplanned event, |
| Zanesville | | Shopping around is the best way to | | unexpected and undesigned, which |
| North Hollywood | | save money on your insurance. | | occurs suddenly and at a definite |
| Williamsburg | | | | place. |
| Inglewood | | While some companies raise their | | |
| Cedar Rapids | | prices based on your actual age, | | Standard Industry Code (SIC): This is |
| West Palm Beach | | most companies increase the price of | | a coding system which assigns |
| Bethlehem | | their policies six months before your | | separate codes for different types of |
| Harlingen | | birthday. Its a term called Age | | industries. |
| Tyler | | Nearest in the industry, and that | | |
| Billings | | half-year price increase could really | | Tickler: A reminder system used to |
| Manchester | | add up over a 20-year term policy. As | | call an individual's attention to actions |
| Schenectady | | above, the quicker you purchase your | | that must be taken at a future point in |
| Southfield | | policy the better. | | time. |
