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| Hickory | | Shopping around is the best way to | | Broker of Record: A broker who has |
| Colorado Springs | | save money on your insurance. | | been designated to handle certain |
| Pasadena | | | | insurance contracts for the |
| Dothan | | Life insurance, specifically Term Life, | | policyholder. |
| Scottsdale | | is arguably one of the best values in | | |
| Goldsboro | | the entire financial services arena. | | Tariff Rate: A rate established by a |
| High Point | | Where else can you go and get | | rating organization, which comes from |
| Scranton | | hundreds of thousands of dollars in | | the tables, schedules and rules found |
| Macon | | protection for literally pennies per | | in the tariff of rates. |
| Lubbock | | day? Rates for Term Life insurance | | |
| Edmond | | remain at all-time lows, and now is the | | You/Your: These words are used to |
| Ann Arbor | | time to lock in the best prices. | | refer to the named insured in many of |
| Overland Park | | | | the modernized/personalized policy |
| Wichita | | While some companies raise their | | forms. |
| Slidell | | prices based on your actual age, | | |
| Los Angeles | | most companies increase the price of | | Authorized Insurer: An insurer |
| Fall River | | their policies six months before your | | authorized by the state to transact |
| Hartford | | birthday. Its a term called Age | | business in that state for specific |
| Colorado Springs | | Nearest in the industry, and that | | types of insurance. |
| Rome | | half-year price increase could really | | |
| Amarillo | | add up over a 20-year term policy. As | | Mandatory Valuation Reserve: A |
| Portsmouth | | above, the quicker you purchase your | | reserve required by a state law to |
| Lowell | | policy the better. | | offset any declines in the valuation of |
| West Palm Beach | | | | securities listed as admitted assets. |
| Fort Lauderdale | | The quickest and easiest way to | | |
| Sumter | | shop for new insurance is by | | Countersignature: The signature of a |
| Duluth | | comparing rates at InsWebs online | | licensed agent or representative on a |
| Fort Collins | | marketplace. If you do it the | | policy. |
| Pasadena | | old-fashioned way (by calling or | | |
| Flushing | | visiting multiple agents or insurance | | Standard Industry Code (SIC): This is |
| Riverside | | companies) it could take up a huge | | a coding system which assigns |
| Rockville | | chunk of your time, which no one | | separate codes for different types of |
| Pasadena | | wants or needs. By completing | | industries. |
| Minneapolis | | InsWebs online application, you will | | |
| Woodbridge | | have rates to compare to your old | | |
| Littleton | | ones within minutes! | | |
