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| Rochester | | Healthy people have the best | | Tabular Plan: A retrospective rating |
| Grand Junction | | mortality risks and thus are much | | plan, which uses tables to furnish the |
| Vancouver | | cheaper for companies to insure. This | | various values for the rating formula. |
| Irving | | translates into lower rates for the | | |
| Venice | | Super Preferred customer than | | Flat Cancellation: A policy which is |
| Escondido | | someone with higher risk factors such | | cancelled upon its effective date. |
| Tampa | | as a heart condition, cancer or | | Usually under a flat cancellation no |
| Atlanta | | diabetes. Conversely, if you were | | premium charge is made. |
| Longwood | | unhealthy when you acquired your | | |
| New York | | policy, and your health has now | | Retrospective Premium: The final |
| Reading | | improved, it might be time to shop for | | premium in a retrospective rating |
| Columbus | | a new policy, as your rates are likely | | plan. See Retrospective Rating. |
| Owensboro | | to be lower. | | |
| Naples | | | | Depreciation: A decrease in the value |
| Spring Hill | | Everyone has different needs, and | | of any type of tangible property over |
| Bayside | | not one size fits all when it comes to | | a period of time resulting from use, |
| Florissant | | term life insurance. While it may make | | wear and tear, or obsolescence. |
| Sacramento | | sense for people in their 30s and 40s | | |
| Glendale | | to secure a 20-year term length, a | | Underwriters Laboratories, Inc. (UL): A |
| Wichita Falls | | 10-year term might be more | | testing laboratory for manufactured |
| Long Beach | | appropriate for someone nearing | | items to determine their safety |
| Daytona Beach | | retirement. | | propensities. |
