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| Omaha | | People who are trying to quit | | Net Retention: The amount of |
| Jasper | | smoking, for example, might be best | | insurance that a ceding company |
| North Hollywood | | suited purchasing a shorter term (and | | keeps for its own account and does |
| North Hollywood | | then replacing it with a longer term | | not reinsure. |
| Huntington Beach | | policy when they qualify for | | |
| Nashville | | non-tobacco prices). | | Gross Line: The total limit accepted |
| Evanston | | | | by an insurer on an individual risk, |
| Rockford | | Everyone has different needs, and | | including the amount to be reinsured. |
| Irvine | | not one size fits all when it comes to | | |
| Hendersonville | | term life insurance. While it may make | | Premium Notice: A form notice from |
| Dallas | | sense for people in their 30s and 40s | | an insurer or agency to a policy |
| Houma | | to secure a 20-year term length, a | | owner that a premium will be due on a |
| Peoria | | 10-year term might be more | | given date. |
| Berkeley | | appropriate for someone nearing | | |
| Palm Harbor | | retirement. | | Brokerage Business: Business |
| Columbus | | | | offered to an insurer by a broker. This |
| Santa Monica | | Healthy people have the best | | is sometimes called excess or |
| Jackson | | mortality risks and thus are much | | surplus business. |
| Santa Barbara | | cheaper for companies to insure. This | | |
| Santa Ana | | translates into lower rates for the | | Commercial Lines: This term is used |
| Cleveland | | Super Preferred customer than | | to refer to insurance for businesses, |
| Sacramento | | someone with higher risk factors such | | professionals, and commercial |
| Long Beach | | as a heart condition, cancer or | | establishments. |
| New York | | diabetes. Conversely, if you were | | |
| Sterling Heights | | unhealthy when you acquired your | | Provisional Rate: Tentative rates, |
| San Jose | | policy, and your health has now | | premiums or commissions that are |
| Costa Mesa | | improved, it might be time to shop for | | subject to subsequent adjustment. |
| Olympia | | a new policy, as your rates are likely | | See Commission and Premium. |
| Fremont | | to be lower. | | |
| Newark | | | | Brick Veneer Construction: Refers to |
| Chesapeake | | Life insurance, specifically Term Life, | | a building where the outside walls are |
| Milwaukee | | is arguably one of the best values in | | constructed of wood with a facing of a |
| Colorado Springs | | the entire financial services arena. | | single layer of brick. |
| Kansas City | | Where else can you go and get | | |
| Orange | | hundreds of thousands of dollars in | | |
| Owensboro | | protection for literally pennies per | | |
| Inglewood | | day? Rates for Term Life insurance | | |
| Columbus | | remain at all-time lows, and now is the | | |
| Naperville | | time to lock in the best prices. | | |
