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| Inglewood | | Everyone has different needs, and | | Society of Insurance Research: An |
| Gainesville | | not one size fits all when it comes to | | organization which encourages |
| Peoria | | term life insurance. While it may make | | insurance research and promotes the |
| Dothan | | sense for people in their 30s and 40s | | exchange of ideas and methods of |
| Sunnyvale | | to secure a 20-year term length, a | | research. |
| Billings | | 10-year term might be more | | |
| Bellevue | | appropriate for someone nearing | | Tariff Rate: A rate established by a |
| Arlington | | retirement. | | rating organization, which comes from |
| Saginaw | | | | the tables, schedules and rules found |
| Council Bluffs | | Make sure you have a new policy in | | in the tariff of rates. |
| Evanston | | place before you cancel your old one | | |
| Palm Harbor | | to avoid a lapse in coverage. This will | | Coding: A method of putting |
| Worcester | | also prevent having to figure out the | | information into a numerical form for |
| Jackson | | amount of any unused premium that is | | statistical use. Most information on |
| Anchorage | | due to you from your old insurance | | policies is coded and then put into |
| Yuma | | company, or having to spar with your | | reports. |
| Biloxi | | agent about exactly when your policy | | |
| Long Beach | | was cancelled and how much they | | Agent's License: A certificate of |
| Springfield | | owe you. | | authority from the state which permits |
| Rochester | | | | the agent to conduct business. |
| Canton | | Life insurance, specifically Term Life, | | |
| Conroe | | is arguably one of the best values in | | Losses Incurred: The total losses, |
| Eugene | | the entire financial services arena. | | whether paid or not, sustained by an |
| Hickory | | Where else can you go and get | | insurer during a given period, e.g., 12 |
| St. Paul | | hundreds of thousands of dollars in | | months. |
| Baltimore | | protection for literally pennies per | | |
| Lincoln | | day? Rates for Term Life insurance | | Stock Option Plan: Surviving |
| Corpus Christi | | remain at all-time lows, and now is the | | stockholders have the option to |
| Green Bay | | time to lock in the best prices. | | purchase or not purchase the shares |
| Redlands | | | | of a deceased stockholder. |
| Houma | | The quickest and easiest way to | | |
| Fairfax | | shop for new insurance is by | | Insolvent Insurer: An insurer which is |
| Clarksville | | comparing rates at InsWebs online | | unable to meet its financial |
| Palm Desert | | marketplace. If you do it the | | obligations. |
| Huntington | | old-fashioned way (by calling or | | |
| San Antonio | | visiting multiple agents or insurance | | |
| Bethlehem | | companies) it could take up a huge | | |
| Warren | | chunk of your time, which no one | | |
| Valdosta | | wants or needs. By completing | | |
| Sumter | | InsWebs online application, you will | | |
| Alpharetta | | have rates to compare to your old | | |
| Arlington | | ones within minutes! | | |
