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| Wilmington | | While some companies raise their | | Gain and Loss Exhibit: The portion of |
| Worcester | | prices based on your actual age, | | the convention blank which |
| Portsmouth | | most companies increase the price of | | represents an analysis of gains, |
| Lowell | | their policies six months before your | | losses, and surplus during an |
| Phoenix | | birthday. Its a term called Age | | accounting period. |
| Palm Desert | | Nearest in the industry, and that | | |
| Bloomington | | half-year price increase could really | | Dual Life Stock Company: A stock |
| Lakewood | | add up over a 20-year term policy. As | | Life insurer issuing both participating |
| Lawrenceville | | above, the quicker you purchase your | | and nonparticipating policy contracts. |
| Marietta | | policy the better. | | |
| San Francisco | | | | Coding: A method of putting |
| Seattle | | Healthy people have the best | | information into a numerical form for |
| South Bend | | mortality risks and thus are much | | statistical use. Most information on |
| Manchester | | cheaper for companies to insure. This | | policies is coded and then put into |
| Washington | | translates into lower rates for the | | reports. |
| Athens | | Super Preferred customer than | | |
| Boston | | someone with higher risk factors such | | National Auto Theft Bureau: An |
| Long Beach | | as a heart condition, cancer or | | organization engaged in the |
| Saginaw | | diabetes. Conversely, if you were | | prevention and reduction of motor |
| Oakland | | unhealthy when you acquired your | | vehicle fire and theft losses. |
| St. Louis | | policy, and your health has now | | |
| Sacramento | | improved, it might be time to shop for | | Provisional Rate: Tentative rates, |
| Seattle | | a new policy, as your rates are likely | | premiums or commissions that are |
| Milwaukee | | to be lower. | | subject to subsequent adjustment. |
| Macon | | | | See Commission and Premium. |
| Tulsa | | Life insurance, specifically Term Life, | | |
| Tucson | | is arguably one of the best values in | | Approved: The condition which exists |
| Bellevue | | the entire financial services arena. | | when the person or object to be |
| Spokane | | Where else can you go and get | | insured meets the underwriting |
| Sunnyvale | | hundreds of thousands of dollars in | | standards of the insurer. |
| Ogden | | protection for literally pennies per | | |
| Palo Alto | | day? Rates for Term Life insurance | | Tabular Plan: A retrospective rating |
| Beaumont | | remain at all-time lows, and now is the | | plan, which uses tables to furnish the |
| Goldsboro | | time to lock in the best prices. | | various values for the rating formula. |
