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| Long Beach | | While some companies raise their | | Retail Credit Company: The former |
| Durham | | prices based on your actual age, | | name of Equifax, a credit reporting |
| Naperville | | most companies increase the price of | | organization. See Equifax. |
| Jackson | | their policies six months before your | | |
| Anderson | | birthday. Its a term called Age | | War Risk Insurance: Insurance |
| Lima | | Nearest in the industry, and that | | covering damage caused by war. |
| Greenville | | half-year price increase could really | | Most often written by Ocean Marine |
| Henderson | | add up over a 20-year term policy. As | | Insurance companies covering |
| Independence | | above, the quicker you purchase your | | vessels. |
| North Hollywood | | policy the better. | | |
| Trenton | | | | Tabular Plan: A retrospective rating |
| Vero Beach | | If you decide to cancel your policy | | plan, which uses tables to furnish the |
| Lakeland | | (after acquiring new coverage) | | various values for the rating formula. |
| Carlsbad | | outside of the 30-day period, you may | | |
| Spartanburg | | have to pay a fee or penalty. | | Malicious Mischief: Similar to |
| Rochester | | However, you may still save money | | vandalism. Purposely damaging the |
| Littleton | | after paying the fee if your new policy | | rights or property of another. |
| Springfield | | affords you significant savings. So | | |
| Harlingen | | while it is best to wait until your | | Index Bureau Experience: A measure |
| Jackson | | receive your renewal notice, you CAN | | of losses relating to claims reported |
| San Jose | | cancel your policy at any time. | | through a claim office during a |
| Scranton | | | | 12-month period. |
| Santa Ana | | Life insurance, specifically Term Life, | | |
| Vero Beach | | is arguably one of the best values in | | Collusion: An agreement, usually |
| Southfield | | the entire financial services arena. | | secret, between two or more persons |
| Kingsport | | Where else can you go and get | | to defraud or deprive another or |
| Newport Beach | | hundreds of thousands of dollars in | | others of their property or rights. |
| Edison | | protection for literally pennies per | | |
| Poughkeepsie | | day? Rates for Term Life insurance | | Exclusions: Specific situations, |
| Reno | | remain at all-time lows, and now is the | | conditions, or circumstances that are |
| Orange | | time to lock in the best prices. | | listed in the contract as being not |
| Carlsbad | | | | covered. |
| Naperville | | Make sure you have a new policy in | | |
| Olympia | | place before you cancel your old one | | Coding: A method of putting |
| Independence | | to avoid a lapse in coverage. This will | | information into a numerical form for |
| Wilmington | | also prevent having to figure out the | | statistical use. Most information on |
| Franklin | | amount of any unused premium that is | | policies is coded and then put into |
| Raleigh | | due to you from your old insurance | | reports. |
| Lorain | | company, or having to spar with your | | |
| Melbourne | | agent about exactly when your policy | | |
| Redlands | | was cancelled and how much they | | |
| Newport News | | owe you. | | |
