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| North Hollywood | | At InsWeb, you can compare free | | Divided Cover: The placing of |
| Omaha | | online insurance quotes from many of | | insurance on a given subject or |
| North Hollywood | | the nations leading insurance | | object with more than one insurer. |
| Corpus Christi | | companies. | | |
| Jacksonville | | | | Domestic Insurer (or Company): An |
| Austin | | Life insurance, specifically Term Life, | | insurer formed under the laws of the |
| Mountain View | | is arguably one of the best values in | | state in which the insurance is written. |
| Longmont | | the entire financial services arena. | | |
| Coral Springs | | Where else can you go and get | | Lapsed Policy: One which has been |
| Pasadena | | hundreds of thousands of dollars in | | allowed to expire because of |
| Louisville | | protection for literally pennies per | | nonpayment of premiums. |
| Ogden | | day? Rates for Term Life insurance | | |
| Owensboro | | remain at all-time lows, and now is the | | Short Rate Premium: The premium |
| Naples | | time to lock in the best prices. | | required for issuing a policy for a |
| Warwick | | | | period less than its normal term. |
| Hollywood | | The best time to switch policies is | | |
| Honolulu | | within one month of receiving your | | Level Commission System: A system |
| Waco | | policy renewal from your current | | of commissions in which the first year |
| Rockford | | insurer. You can typically cancel your | | and all renewal commissions are the |
| Edison | | policy without any fees or penalties if | | same percentage of the premium. |
| Silver Spring | | you act within this time period. | | |
| Lubbock | | | | You/Your: These words are used to |
| Jersey City | | People who are trying to quit | | refer to the named insured in many of |
| Westbury | | smoking, for example, might be best | | the modernized/personalized policy |
| Jacksonville | | suited purchasing a shorter term (and | | forms. |
| Savannah | | then replacing it with a longer term | | |
| Boston | | policy when they qualify for | | Cut Rate: This term generally applies |
| Racine | | non-tobacco prices). | | to insurance companies who charge |
| Dothan | | | | premiums below a normal or average |
| Sacramento | | If you decide to cancel your policy | | rate. |
| Manchester | | (after acquiring new coverage) | | |
| Monroe | | outside of the 30-day period, you may | | Premium Notice: A form notice from |
| Naperville | | have to pay a fee or penalty. | | an insurer or agency to a policy |
| Coral Springs | | However, you may still save money | | owner that a premium will be due on a |
| Metairie | | after paying the fee if your new policy | | given date. |
| Huntsville | | affords you significant savings. So | | |
| Greeley | | while it is best to wait until your | | |
| Huntington | | receive your renewal notice, you CAN | | |
| Ventura | | cancel your policy at any time. | | |
