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| Mesquite | | Everyone has different needs, and | | Absolute Assignment: Assignment by |
| Arlington | | not one size fits all when it comes to | | a policy owner of all control of and |
| Abilene | | term life insurance. While it may make | | rights in the policy to a third party. |
| Baltimore | | sense for people in their 30s and 40s | | |
| Syracuse | | to secure a 20-year term length, a | | War Risk Insurance: Insurance |
| Santa Rosa | | 10-year term might be more | | covering damage caused by war. |
| Florence | | appropriate for someone nearing | | Most often written by Ocean Marine |
| Morristown | | retirement. | | Insurance companies covering |
| Clinton Township | | | | vessels. |
| Orange | | Why not take advantage of current | | |
| Mansfield | | low prices? Many auto insurance | | Gross Premium: The net premium |
| Clarksville | | consumers are becoming educated | | plus operating expenses, |
| Clarksville | | on other companies, plans, and rates | | commissions and other expenses. |
| Clearwater | | that are available to them; ones that | | |
| Dearborn | | could afford them significant savings | | Substandard Risk: A risk not |
| Council Bluffs | | on their auto insurance. | | measuring up to underwriting |
| Long Beach | | | | standards. It may still be written but |
| Costa Mesa | | Individuals who have 30-year | | usually at a surcharged premium. |
| Modesto | | mortgages might want to consider a | | |
| West Chester | | 30-year term to ensure that the house | | Lapsed Policy: One which has been |
| Rockville | | is protected throughout the period of | | allowed to expire because of |
| San Jose | | the loan. | | nonpayment of premiums. |
