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| Walnut Creek | | While some companies raise their | | Basic Rate: The manual rate from |
| Poughkeepsie | | prices based on your actual age, | | which discounts are taken or to which |
| Tempe | | most companies increase the price of | | charges are added to reflect the |
| Houma | | their policies six months before your | | individual circumstances of a risk. |
| Baltimore | | birthday. Its a term called Age | | |
| Memphis | | Nearest in the industry, and that | | Level Commission System: A system |
| Westbury | | half-year price increase could really | | of commissions in which the first year |
| Hickory | | add up over a 20-year term policy. As | | and all renewal commissions are the |
| Riverside | | above, the quicker you purchase your | | same percentage of the premium. |
| El Cajon | | policy the better. | | |
| Stuart | | | | Time Limits: The limits of time within |
| Bellevue | | Everyone has different needs, and | | which notice of a claim and proof of a |
| Fayetteville | | not one size fits all when it comes to | | loss must be submitted. |
| Scottsdale | | term life insurance. While it may make | | |
| Spartanburg | | sense for people in their 30s and 40s | | Gross Premium: The net premium |
| Bayside | | to secure a 20-year term length, a | | plus operating expenses, |
| Milwaukee | | 10-year term might be more | | commissions and other expenses. |
| Springfield | | appropriate for someone nearing | | |
| Omaha | | retirement. | | United States Aircraft Insurance |
| Stuart | | | | Group: A group of insurers providing |
| Springfield | | Healthy people have the best | | facilities for all forms of Aviation |
| Warren | | mortality risks and thus are much | | Insurance. |
| Hampton | | cheaper for companies to insure. This | | |
| Hickory | | translates into lower rates for the | | American Risk and Insurance |
| Longmont | | Super Preferred customer than | | Association: An association of |
| Bakersfield | | someone with higher risk factors such | | insurance educators and others |
| Tuscaloosa | | as a heart condition, cancer or | | interested in insurance study and |
| Stuart | | diabetes. Conversely, if you were | | research. |
| Mansfield | | unhealthy when you acquired your | | |
| Overland Park | | policy, and your health has now | | Accident Year Experience: Measures |
| Sioux Falls | | improved, it might be time to shop for | | premiums and losses relating to |
| Inglewood | | a new policy, as your rates are likely | | accidents which occurred during a |
| Fullerton | | to be lower. | | 12-month period. |