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| West Chester | | People who are trying to quit | | Countersignature: The signature of a |
| Santa Clara | | smoking, for example, might be best | | licensed agent or representative on a |
| Green Bay | | suited purchasing a shorter term (and | | policy. |
| Las Cruces | | then replacing it with a longer term | | |
| Pasadena | | policy when they qualify for | | Sole Proprietorship: A business |
| Fresno | | non-tobacco prices). | | enterprise owned by one person who |
| Athens | | | | is its manager and employee. |
| Whittier | | While some companies raise their | | |
| Dubuque | | prices based on your actual age, | | Exclusion: A contractual provision that |
| Union | | most companies increase the price of | | denies coverage for certain perils, |
| Lakewood | | their policies six months before your | | persons, property, or locations. |
| Allentown | | birthday. Its a term called Age | | |
| Rome | | Nearest in the industry, and that | | Stock Option Plan: Surviving |
| Aurora | | half-year price increase could really | | stockholders have the option to |
| Ocala | | add up over a 20-year term policy. As | | purchase or not purchase the shares |
| Turlock | | above, the quicker you purchase your | | of a deceased stockholder. |
| New Port Richey | | policy the better. | | |
| Hickory | | | | Leasehold: An agreement which |
| Schaumburg | | Everyone has different needs, and | | gives a person the right to use and |
| Morristown | | not one size fits all when it comes to | | occupy property. |
| Springfield | | term life insurance. While it may make | | |
| Fall River | | sense for people in their 30s and 40s | | Net Loss: The amount of loss |
| Columbus | | to secure a 20-year term length, a | | sustained by an insurer after giving |
| Fort Wayne | | 10-year term might be more | | effect to all applicable reinsurance, |
| Gainesville | | appropriate for someone nearing | | salvage, and subrogation recoveries. |
| Spring Hill | | retirement. | | |
| Ogden | | | | Malicious Mischief: Similar to |
| Sarasota | | Life insurance, specifically Term Life, | | vandalism. Purposely damaging the |
| Birmingham | | is arguably one of the best values in | | rights or property of another. |
| Delray Beach | | the entire financial services arena. | | |
| Spartanburg | | Where else can you go and get | | Short Rate Premium: The premium |
| Durham | | hundreds of thousands of dollars in | | required for issuing a policy for a |
| Newburgh | | protection for literally pennies per | | period less than its normal term. |
| Mansfield | | day? Rates for Term Life insurance | | |
| Macon | | remain at all-time lows, and now is the | | |
| Duluth | | time to lock in the best prices. | | |
