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| Wilmington | | Life insurance, specifically Term Life, | | Partnership Entity: The partnership |
| Duluth | | is arguably one of the best values in | | considered as an entity and not in |
| Schenectady | | the entire financial services arena. | | terms of its individual part-owners. |
| Abilene | | Where else can you go and get | | |
| Edison | | hundreds of thousands of dollars in | | Accident: An unplanned event, |
| Fremont | | protection for literally pennies per | | unexpected and undesigned, which |
| Abilene | | day? Rates for Term Life insurance | | occurs suddenly and at a definite |
| Lorain | | remain at all-time lows, and now is the | | place. |
| Yuma | | time to lock in the best prices. | | |
| Bronx | | | | Stock Option Plan: Surviving |
| Pompano Beach | | Individuals who have 30-year | | stockholders have the option to |
| Brooklyn | | mortgages might want to consider a | | purchase or not purchase the shares |
| Louisville | | 30-year term to ensure that the house | | of a deceased stockholder. |
| High Point | | is protected throughout the period of | | |
| Grand Prairie | | the loan. | | Indemnify: To restore the victim of a |
| Lake Worth | | | | loss to the same position as before |
| Akron | | While some companies raise their | | the loss occurred. |
| Gainesville | | prices based on your actual age, | | |
| Spartanburg | | most companies increase the price of | | Agency: An insurance sales office |
| Goldsboro | | their policies six months before your | | which is directed by a agent, |
| Honolulu | | birthday. Its a term called Age | | manager, independent agent, or |
| Honolulu | | Nearest in the industry, and that | | company manager. |
| Oklahoma City | | half-year price increase could really | | |
| Milwaukee | | add up over a 20-year term policy. As | | Multi-Peril Policies: Policies which |
| Clinton Township | | above, the quicker you purchase your | | cover a number of perils, such as fire, |
| Harlingen | | policy the better. | | burglary, and liability, in a single |
| Joliet | | | | contract. |
| Boise | | Healthy people have the best | | |
| Erie | | mortality risks and thus are much | | Commingling: An illegal practice |
| Pensacola | | cheaper for companies to insure. This | | which occurs when an agent mixes |
| Anderson | | translates into lower rates for the | | personal funds with the insured's or |
| St. Paul | | Super Preferred customer than | | insurer's funds. |
| Carlsbad | | someone with higher risk factors such | | |
| York | | as a heart condition, cancer or | | First Party Insurance: Insurance which |
| Coral Springs | | diabetes. Conversely, if you were | | applies to coverage for the insured's |
| Pittsburgh | | unhealthy when you acquired your | | own property or person. Contrast with |
| Nashua | | policy, and your health has now | | Third Party Insurance. |
| Bellevue | | improved, it might be time to shop for | | |
| Springfield | | a new policy, as your rates are likely | | |
| Bradenton | | to be lower. | | |
