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| Lafayette | | Individuals who have 30-year | | Accident Year Experience: Measures |
| Fayetteville | | mortgages might want to consider a | | premiums and losses relating to |
| Providence | | 30-year term to ensure that the house | | accidents which occurred during a |
| Lincoln | | is protected throughout the period of | | 12-month period. |
| Fort Smith | | the loan. | | |
| Mesquite | | | | Admitted Company: An insurance |
| Little Rock | | Everyone has different needs, and | | company authorized and licensed to |
| Worcester | | not one size fits all when it comes to | | do business in a given state. |
| Mobile | | term life insurance. While it may make | | |
| Cambridge | | sense for people in their 30s and 40s | | Level Commission System: A system |
| Tempe | | to secure a 20-year term length, a | | of commissions in which the first year |
| Malden | | 10-year term might be more | | and all renewal commissions are the |
| Aurora | | appropriate for someone nearing | | same percentage of the premium. |
| Melbourne | | retirement. | | |
| Greensboro | | | | Flat Cancellation: A policy which is |
| Fresno | | While some companies raise their | | cancelled upon its effective date. |
| Alpharetta | | prices based on your actual age, | | Usually under a flat cancellation no |
| Texarkana | | most companies increase the price of | | premium charge is made. |
| Rockville | | their policies six months before your | | |
| Belleville | | birthday. Its a term called Age | | Policy Period (or Term): The period |
| Lubbock | | Nearest in the industry, and that | | during which the policy contract |
| Cookeville | | half-year price increase could really | | affords protection, e.g., six months or |
| Chandler | | add up over a 20-year term policy. As | | one or three years. |
| Rockville | | above, the quicker you purchase your | | |
| Evansville | | policy the better. | | Collusion: An agreement, usually |
| Macon | | | | secret, between two or more persons |
| Nashua | | We offer quotes for auto insurance, | | to defraud or deprive another or |
| Bellevue | | life insurance, homeowners | | others of their property or rights. |
| Scottsdale | | insurance, health insurance, term life | | |
| Lakeland | | insurance and more. | | Provisional Rate: Tentative rates, |
| Winter Park | | | | premiums or commissions that are |
| Rockford | | Healthy people have the best | | subject to subsequent adjustment. |
| Cincinnati | | mortality risks and thus are much | | See Commission and Premium. |
| Westbury | | cheaper for companies to insure. This | | |
| Little Rock | | translates into lower rates for the | | |
| Metairie | | Super Preferred customer than | | |
| Thousand Oaks | | someone with higher risk factors such | | |
| Staten Island | | as a heart condition, cancer or | | |
| Plano | | diabetes. Conversely, if you were | | |
| Troy | | unhealthy when you acquired your | | |
| Longwood | | policy, and your health has now | | |
| Naperville | | improved, it might be time to shop for | | |
| Evanston | | a new policy, as your rates are likely | | |
| Waco | | to be lower. | | |
