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| Fort Myers | | Everyone has different needs, and | | Admitted (or Allowed) Assets: Assets |
| Hampton | | not one size fits all when it comes to | | whose values are permitted by state |
| Berkeley | | term life insurance. While it may make | | law to be included in the annual |
| Oakland | | sense for people in their 30s and 40s | | statement of the insurer. |
| St. Louis | | to secure a 20-year term length, a | | |
| Mobile | | 10-year term might be more | | Initial Premium: An amount paid at the |
| Lima | | appropriate for someone nearing | | inception of an insurance contract, |
| Elkhart | | retirement. | | usually subject to adjustment at the |
| Youngstown | | | | end of the policy period. |
| Lakeland | | Life insurance, specifically Term Life, | | |
| Chesapeake | | is arguably one of the best values in | | Accident Year Experience: Measures |
| Richmond | | the entire financial services arena. | | premiums and losses relating to |
| Boca Raton | | Where else can you go and get | | accidents which occurred during a |
| Jasper | | hundreds of thousands of dollars in | | 12-month period. |
| Englewood | | protection for literally pennies per | | |
| Johnstown | | day? Rates for Term Life insurance | | Tariff Rate: A rate established by a |
| Littleton | | remain at all-time lows, and now is the | | rating organization, which comes from |
| Boynton Beach | | time to lock in the best prices. | | the tables, schedules and rules found |
| Lowell | | | | in the tariff of rates. |
| Billings | | If you decide to cancel your policy | | |
| Fayetteville | | (after acquiring new coverage) | | Approved: The condition which exists |
| Albany | | outside of the 30-day period, you may | | when the person or object to be |
| Las Cruces | | have to pay a fee or penalty. | | insured meets the underwriting |
| Edmond | | However, you may still save money | | standards of the insurer. |
| Clinton Township | | after paying the fee if your new policy | | |
| Worcester | | affords you significant savings. So | | Exclusion: A contractual provision that |
| Livonia | | while it is best to wait until your | | denies coverage for certain perils, |
| Fayetteville | | receive your renewal notice, you CAN | | persons, property, or locations. |
| Dearborn | | cancel your policy at any time. | | |
| Lansing | | | | Premises: The particular location of |
| Rapid City | | If you have noticed that your auto | | property or a portion thereof as |
| Boynton Beach | | insurance rates are still increasing | | designated in a policy. |
| Newburgh | | with each renewal, or even have not | | |
| Hemet | | gone down even though you have a | | Standard Industry Code (SIC): This is |
| Silver Spring | | great driving record, this lower pricing | | a coding system which assigns |
| Green Bay | | trend makes it more important then | | separate codes for different types of |
| San Jose | | ever that you shop around for auto | | industries. |
| Tucson | | insurance. | | |
