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| Little Rock | | While some companies raise their | | Interline Endorsement: Commercial |
| Portland | | prices based on your actual age, | | endorsements that apply, or could |
| Westbury | | most companies increase the price of | | apply, to more than one coverage |
| Ocala | | their policies six months before your | | part of a package policy. |
| Henderson | | birthday. Its a term called Age | | |
| Springfield | | Nearest in the industry, and that | | Domestic Insurer (or Company): An |
| Florence | | half-year price increase could really | | insurer formed under the laws of the |
| Albany | | add up over a 20-year term policy. As | | state in which the insurance is written. |
| Troy | | above, the quicker you purchase your | | |
| Brooklyn | | policy the better. | | Policywriting Agent: An agent who has |
| Los Angeles | | | | the authority to prepare and effect an |
| West Chester | | Everyone has different needs, and | | insurer's policy. |
| Sarasota | | not one size fits all when it comes to | | |
| Athens | | term life insurance. While it may make | | Fictitious Groups: Groups formed |
| Orange Park | | sense for people in their 30s and 40s | | primarily for the purpose of buying |
| Des Moines | | to secure a 20-year term length, a | | insurance. Under the law such groups |
| Spartanburg | | 10-year term might be more | | may not be underwritten. |
| Denver | | appropriate for someone nearing | | |
| Little Rock | | retirement. | | Broker-Agent: One acting as an agent |
| Columbia | | | | of one or more insurers and as a |
| Green Bay | | People who are trying to quit | | broker in dealing with one or more |
| Stamford | | smoking, for example, might be best | | other insurers. |
| Harlingen | | suited purchasing a shorter term (and | | |
| Mountain View | | then replacing it with a longer term | | Effective Date: The date on which the |
| Washington | | policy when they qualify for | | protection of an insurance policy or |
| Dubuque | | non-tobacco prices). | | bond goes into effect. |
