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| Charleston | | People who are trying to quit | | Divided Cover: The placing of |
| Henderson | | smoking, for example, might be best | | insurance on a given subject or |
| Detroit | | suited purchasing a shorter term (and | | object with more than one insurer. |
| Troy | | then replacing it with a longer term | | |
| Alameda | | policy when they qualify for | | Claim Report: A report filed by an |
| Acworth | | non-tobacco prices). | | agent setting forth the facts of a claim. |
| Syracuse | | | | Same as Loss Report. |
| Bayside | | Shopping around is the best way to | | |
| Wilmington | | save money on your insurance. | | Index Bureau Experience: A measure |
| San Antonio | | | | of losses relating to claims reported |
| Gainesville | | Life insurance, specifically Term Life, | | through a claim office during a |
| Oceanside | | is arguably one of the best values in | | 12-month period. |
| Savannah | | the entire financial services arena. | | |
| Lancaster | | Where else can you go and get | | Replacement: A new policy written to |
| Panama City | | hundreds of thousands of dollars in | | take the place of one currently in force. |
| Salt Lake City | | protection for literally pennies per | | |
| Ogden | | day? Rates for Term Life insurance | | Mandatory Valuation Reserve: A |
| Dearborn | | remain at all-time lows, and now is the | | reserve required by a state law to |
| Long Beach | | time to lock in the best prices. | | offset any declines in the valuation of |
| Winter Haven | | | | securities listed as admitted assets. |
| Buffalo | | If you decide to cancel your policy | | |
| Beaumont | | (after acquiring new coverage) | | Claim Expense: The expense of |
| Tuscaloosa | | outside of the 30-day period, you may | | adjusting a claim, such as |
| Mesquite | | have to pay a fee or penalty. | | investigation and attorneys' fees. It |
| Yuma | | However, you may still save money | | does not include the cost of the claim |
| Johnson City | | after paying the fee if your new policy | | itself. |
| Killeen | | affords you significant savings. So | | |
| Inglewood | | while it is best to wait until your | | Agency Company: An insurance |
| Spokane | | receive your renewal notice, you CAN | | company that produces business |
| St. Paul | | cancel your policy at any time. | | through an agency network. Contrast |
| Council Bluffs | | | | with Direct Writer. |
| Aurora | | Individuals who have 30-year | | |
| Memphis | | mortgages might want to consider a | | Will Ride: Coverage that remains in |
| Milwaukee | | 30-year term to ensure that the house | | effect regardless of the geographical |
| Quincy | | is protected throughout the period of | | location in which a loss occurs. |
| Duluth | | the loan. | | |
