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| Winter Park | | While some companies raise their | | Lapsed Policy: One which has been |
| Muncie | | prices based on your actual age, | | allowed to expire because of |
| Newport Beach | | most companies increase the price of | | nonpayment of premiums. |
| Evansville | | their policies six months before your | | |
| Oceanside | | birthday. Its a term called Age | | Preferred Risk: Any risk considered |
| Hendersonville | | Nearest in the industry, and that | | to be better than the standard risk on |
| Pueblo | | half-year price increase could really | | which the premium rate was |
| Grand Prairie | | add up over a 20-year term policy. As | | calculated. |
| Metairie | | above, the quicker you purchase your | | |
| New York | | policy the better. | | Malinger: To feign a disability for the |
| Beaumont | | | | purpose of continuing to collect |
| Biloxi | | Individuals who have 30-year | | benefits longer than actually |
| Midland | | mortgages might want to consider a | | necessary. |
| Decatur | | 30-year term to ensure that the house | | |
| Beaumont | | is protected throughout the period of | | We/Us/Our: These words are used to |
| Syracuse | | the loan. | | refer to the insurer in many of the |
| Venice | | | | modernized/personalized policy |
| Rockville | | Everyone has different needs, and | | forms recently introduced. |
| Lafayette | | not one size fits all when it comes to | | |
| Providence | | term life insurance. While it may make | | Calendar Year Experience: This |
| Livonia | | sense for people in their 30s and 40s | | measures the premiums and losses |
| Berkeley | | to secure a 20-year term length, a | | entered on accounting records during |
| Beaumont | | 10-year term might be more | | the 12-month calendar. |
| Schaumburg | | appropriate for someone nearing | | |
| Denver | | retirement. | | Brick Veneer Construction: Refers to |
| Clarksville | | | | a building where the outside walls are |
| Seattle | | If you have noticed that your auto | | constructed of wood with a facing of a |
| Burbank | | insurance rates are still increasing | | single layer of brick. |
| Denver | | with each renewal, or even have not | | |
| Kingsport | | gone down even though you have a | | Approved: The condition which exists |
| Torrance | | great driving record, this lower pricing | | when the person or object to be |
| Muskegon | | trend makes it more important then | | insured meets the underwriting |
| Boca Raton | | ever that you shop around for auto | | standards of the insurer. |
| Duluth | | insurance. | | |
