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| Mobile | | While some companies raise their | | Mandatory Valuation Reserve: A |
| Poughkeepsie | | prices based on your actual age, | | reserve required by a state law to |
| Wilmington | | most companies increase the price of | | offset any declines in the valuation of |
| Clinton Township | | their policies six months before your | | securities listed as admitted assets. |
| Madison | | birthday. Its a term called Age | | |
| Wichita Falls | | Nearest in the industry, and that | | Dual Life Stock Company: A stock |
| Southfield | | half-year price increase could really | | Life insurer issuing both participating |
| Huntington Beach | | add up over a 20-year term policy. As | | and nonparticipating policy contracts. |
| Lansing | | above, the quicker you purchase your | | |
| Bloomington | | policy the better. | | Criticism: A correction suggested by a |
| Youngstown | | | | rating or auditing bureau to an insurer. |
| Tulsa | | Individuals who have 30-year | | |
| Athens | | mortgages might want to consider a | | Society of Insurance Research: An |
| Gulfport | | 30-year term to ensure that the house | | organization which encourages |
| Scranton | | is protected throughout the period of | | insurance research and promotes the |
| Knoxville | | the loan. | | exchange of ideas and methods of |
| Clarksville | | | | research. |
| Vancouver | | Life insurance, specifically Term Life, | | |
| Hickory | | is arguably one of the best values in | | Standard Industry Code (SIC): This is |
| Billings | | the entire financial services arena. | | a coding system which assigns |
| Grand Junction | | Where else can you go and get | | separate codes for different types of |
| Columbus | | hundreds of thousands of dollars in | | industries. |
| Pensacola | | protection for literally pennies per | | |
| Midland | | day? Rates for Term Life insurance | | American Risk and Insurance |
| Newburgh | | remain at all-time lows, and now is the | | Association: An association of |
| Metairie | | time to lock in the best prices. | | insurance educators and others |
| Winter Park | | | | interested in insurance study and |
| Gulfport | | Healthy people have the best | | research. |
| Cape Coral | | mortality risks and thus are much | | |
| Minneapolis | | cheaper for companies to insure. This | | Commission of Authority: A document |
| Columbia | | translates into lower rates for the | | outlining the powers delegated to an |
| Fredericksburg | | Super Preferred customer than | | agent by an insurer. |
| Decatur | | someone with higher risk factors such | | |
| Hot Springs | | as a heart condition, cancer or | | Insurance Policy: The printed form |
| Corpus Christi | | diabetes. Conversely, if you were | | which serves as the contract between |
| Irving | | unhealthy when you acquired your | | an insurer and an insured. |
| Aurora | | policy, and your health has now | | |
| Stockbridge | | improved, it might be time to shop for | | |
| Rochester | | a new policy, as your rates are likely | | |
| Flint | | to be lower. | | |
