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| Ogden | | Healthy people have the best | | Claim: A demand made by the |
| Trenton | | mortality risks and thus are much | | insured, or the insured's beneficiary, |
| Jacksonville | | cheaper for companies to insure. This | | for payment of the benefits provided |
| Lowell | | translates into lower rates for the | | by the contract. |
| Minneapolis | | Super Preferred customer than | | |
| Duluth | | someone with higher risk factors such | | Accident: An unplanned event, |
| Montgomery | | as a heart condition, cancer or | | unexpected and undesigned, which |
| Beaumont | | diabetes. Conversely, if you were | | occurs suddenly and at a definite |
| Plano | | unhealthy when you acquired your | | place. |
| Hickory | | policy, and your health has now | | |
| Tyler | | improved, it might be time to shop for | | Claim Expense: The expense of |
| Mobile | | a new policy, as your rates are likely | | adjusting a claim, such as |
| San Jose | | to be lower. | | investigation and attorneys' fees. It |
| Newport News | | | | does not include the cost of the claim |
| Quincy | | Life insurance, specifically Term Life, | | itself. |
| Fresno | | is arguably one of the best values in | | |
| St. Paul | | the entire financial services arena. | | Policywriting Agent: An agent who has |
| Topeka | | Where else can you go and get | | the authority to prepare and effect an |
| Glendale | | hundreds of thousands of dollars in | | insurer's policy. |
| Bloomington | | protection for literally pennies per | | |
| New Orleans | | day? Rates for Term Life insurance | | Absolute Assignment: Assignment by |
| Owensboro | | remain at all-time lows, and now is the | | a policy owner of all control of and |
| Spring Hill | | time to lock in the best prices. | | rights in the policy to a third party. |
