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| Houston | | Everyone has different needs, and | | Claim: A demand made by the |
| Houma | | not one size fits all when it comes to | | insured, or the insured's beneficiary, |
| Oceanside | | term life insurance. While it may make | | for payment of the benefits provided |
| Oceanside | | sense for people in their 30s and 40s | | by the contract. |
| Fall River | | to secure a 20-year term length, a | | |
| Monroe | | 10-year term might be more | | Deductible: The portion of an insured |
| Escondido | | appropriate for someone nearing | | loss to be borne by the insured |
| Monroe | | retirement. | | before he is entitled to recovery from |
| Coral Springs | | | | the insurer. |
| Sarasota | | The best time to switch policies is | | |
| Lancaster | | within one month of receiving your | | Exclusions: Specific situations, |
| Monroe | | policy renewal from your current | | conditions, or circumstances that are |
| Duluth | | insurer. You can typically cancel your | | listed in the contract as being not |
| Fort Lauderdale | | policy without any fees or penalties if | | covered. |
| Garland | | you act within this time period. | | |
| Garland | | | | Flat Cancellation: A policy which is |
| San Diego | | The quickest and easiest way to | | cancelled upon its effective date. |
| Muskegon | | shop for new insurance is by | | Usually under a flat cancellation no |
| Philadelphia | | comparing rates at InsWebs online | | premium charge is made. |
| Roanoke | | marketplace. If you do it the | | |
| Grand Prairie | | old-fashioned way (by calling or | | Fictitious Groups: Groups formed |
| Delray Beach | | visiting multiple agents or insurance | | primarily for the purpose of buying |
| Frederick | | companies) it could take up a huge | | insurance. Under the law such groups |
| Gainesville | | chunk of your time, which no one | | may not be underwritten. |
| Redlands | | wants or needs. By completing | | |
| Mansfield | | InsWebs online application, you will | | Earned Income: The money |
| Spokane | | have rates to compare to your old | | individuals earn as a result of working |
| Palm Desert | | ones within minutes! | | at some job or occupation for which |
| Lakewood | | | | they are paid a salary. |
| Cypress | | Individuals who have 30-year | | |
| Huntington Beach | | mortgages might want to consider a | | Insurance Examiner: The |
| Kingsport | | 30-year term to ensure that the house | | representative of a state insurance |
| Zanesville | | is protected throughout the period of | | department assigned to participate in |
| Manchester | | the loan. | | the official audit and examination of |
| Huntington | | | | an insurer. |
