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| Santa Monica | | Individuals who have 30-year | | Liabilities: Money owed or expected |
| Ocala | | mortgages might want to consider a | | to be owed. Insurance company |
| Houston | | 30-year term to ensure that the house | | financial statements, for instance, |
| Silver Spring | | is protected throughout the period of | | show assets and liabilities. |
| Jackson | | the loan. | | |
| San Jose | | | | Net Interest Earned: The average |
| Santa Clara | | Healthy people have the best | | interest earned by an insurer on its |
| Memphis | | mortality risks and thus are much | | investments after investment expense |
| Warwick | | cheaper for companies to insure. This | | but before federal income taxes. |
| Sioux Falls | | translates into lower rates for the | | |
| Worcester | | Super Preferred customer than | | Approved: The condition which exists |
| Evanston | | someone with higher risk factors such | | when the person or object to be |
| Joliet | | as a heart condition, cancer or | | insured meets the underwriting |
| Tuscaloosa | | diabetes. Conversely, if you were | | standards of the insurer. |
| Oklahoma City | | unhealthy when you acquired your | | |
| Carlsbad | | policy, and your health has now | | Agent's Balance: A periodic |
| Springfield | | improved, it might be time to shop for | | statement of the sums due and owed |
| Chandler | | a new policy, as your rates are likely | | to an agent under the agent's contract |
| Franklin | | to be lower. | | with an insurer. |
