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| Florissant | | Life insurance, specifically Term Life, | | Retail Credit Company: The former |
| Greensboro | | is arguably one of the best values in | | name of Equifax, a credit reporting |
| Orange | | the entire financial services arena. | | organization. See Equifax. |
| Bradenton | | Where else can you go and get | | |
| Fort Collins | | hundreds of thousands of dollars in | | Commercial Lines: This term is used |
| Winter Park | | protection for literally pennies per | | to refer to insurance for businesses, |
| Richmond | | day? Rates for Term Life insurance | | professionals, and commercial |
| Hattiesburg | | remain at all-time lows, and now is the | | establishments. |
| Olympia | | time to lock in the best prices. | | |
| Lake Charles | | | | Line of Business: The classification of |
| Washington | | Healthy people have the best | | business as utilized in the insurance |
| Malden | | mortality risks and thus are much | | industry, e.g., Fire, Allied Lines and |
| Duluth | | cheaper for companies to insure. This | | Homeowners. |
| Ventura | | translates into lower rates for the | | |
| Frederick | | Super Preferred customer than | | Professional Insurance Agents |
| Thousand Oaks | | someone with higher risk factors such | | Association: A trade association of |
| Brooklyn | | as a heart condition, cancer or | | mutual insurance agents. |
| Warwick | | diabetes. Conversely, if you were | | |
| Fayetteville | | unhealthy when you acquired your | | Losses Incurred: The total losses, |
| Sarasota | | policy, and your health has now | | whether paid or not, sustained by an |
| Cleveland | | improved, it might be time to shop for | | insurer during a given period, e.g., 12 |
| Athens | | a new policy, as your rates are likely | | months. |
| Stamford | | to be lower. | | |
| Warwick | | | | Captive Agent: One who sells |
| Palm Desert | | Everyone has different needs, and | | insurance for only one company as |
| Billings | | not one size fits all when it comes to | | opposed to an agent who represents |
| Virginia Beach | | term life insurance. While it may make | | several companies. |
| Hattiesburg | | sense for people in their 30s and 40s | | |
| Portland | | to secure a 20-year term length, a | | Gain and Loss Exhibit: The portion of |
| Alameda | | 10-year term might be more | | the convention blank which |
| Wichita Falls | | appropriate for someone nearing | | represents an analysis of gains, |
| Bloomington | | retirement. | | losses, and surplus during an |
| Sterling Heights | | | | accounting period. |
| Albuquerque | | Individuals who have 30-year | | |
| Scranton | | mortgages might want to consider a | | |
| Fort Lauderdale | | 30-year term to ensure that the house | | |
| Garland | | is protected throughout the period of | | |
| Albany | | the loan. | | |
