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| Long Island City | | Shopping around is the best way to | | Replacement: A new policy written to |
| Huntington | | save money on your insurance. | | take the place of one currently in force. |
| Anderson | | | | |
| Bethlehem | | While some companies raise their | | Basic Rate: The manual rate from |
| Pompano Beach | | prices based on your actual age, | | which discounts are taken or to which |
| Johnson City | | most companies increase the price of | | charges are added to reflect the |
| Cambridge | | their policies six months before your | | individual circumstances of a risk. |
| Dallas | | birthday. Its a term called Age | | |
| Lexington | | Nearest in the industry, and that | | Interstate Carrier: A transportation |
| Trenton | | half-year price increase could really | | company which does business |
| Baton Rouge | | add up over a 20-year term policy. As | | across state lines. |
| Tucson | | above, the quicker you purchase your | | |
| Albuquerque | | policy the better. | | Appraisal: An evaluation of property |
| Fayetteville | | | | made to ascertain either the |
| Garland | | Individuals who have 30-year | | appropriate amount of insurance to |
| Chula Vista | | mortgages might want to consider a | | be written or the amount of loss to be |
| Vancouver | | 30-year term to ensure that the house | | paid. |
| Quincy | | is protected throughout the period of | | |
| Atlanta | | the loan. | | Level Commission System: A system |
| Fort Worth | | | | of commissions in which the first year |
| Lakewood | | Make sure you have a new policy in | | and all renewal commissions are the |
| Newport News | | place before you cancel your old one | | same percentage of the premium. |
| Livonia | | to avoid a lapse in coverage. This will | | |
| Tuscaloosa | | also prevent having to figure out the | | Substandard Risk: A risk not |
| Toms River | | amount of any unused premium that is | | measuring up to underwriting |
| Las Vegas | | due to you from your old insurance | | standards. It may still be written but |
| Elkhart | | company, or having to spar with your | | usually at a surcharged premium. |
| Valdosta | | agent about exactly when your policy | | |
| Stockbridge | | was cancelled and how much they | | Policy Period (or Term): The period |
| Albuquerque | | owe you. | | during which the policy contract |
| Evanston | | | | affords protection, e.g., six months or |
| Bronx | | Life insurance, specifically Term Life, | | one or three years. |
| Overland Park | | is arguably one of the best values in | | |
| Portland | | the entire financial services arena. | | Time Limits: The limits of time within |
| Knoxville | | Where else can you go and get | | which notice of a claim and proof of a |
| Grand Prairie | | hundreds of thousands of dollars in | | loss must be submitted. |
| Davenport | | protection for literally pennies per | | |
| Springfield | | day? Rates for Term Life insurance | | |
| Valdosta | | remain at all-time lows, and now is the | | |
| Sioux Falls | | time to lock in the best prices. | | |
