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| Tuscaloosa | | Make sure you have a new policy in | | Retrospective Premium: The final |
| Detroit | | place before you cancel your old one | | premium in a retrospective rating |
| Gainesville | | to avoid a lapse in coverage. This will | | plan. See Retrospective Rating. |
| Providence | | also prevent having to figure out the | | |
| Slidell | | amount of any unused premium that is | | Premium Receipt: The receipt given |
| Evansville | | due to you from your old insurance | | a policy owner for the payment of a |
| Seattle | | company, or having to spar with your | | premium. |
| Fort Lauderdale | | agent about exactly when your policy | | |
| Omaha | | was cancelled and how much they | | Insurance Examiner: The |
| Columbus | | owe you. | | representative of a state insurance |
| Roanoke | | | | department assigned to participate in |
| Allentown | | Life insurance, specifically Term Life, | | the official audit and examination of |
| Long Beach | | is arguably one of the best values in | | an insurer. |
| Norwalk | | the entire financial services arena. | | |
| Orlando | | Where else can you go and get | | Approved: The condition which exists |
| Oxnard | | hundreds of thousands of dollars in | | when the person or object to be |
| Flint | | protection for literally pennies per | | insured meets the underwriting |
| Allentown | | day? Rates for Term Life insurance | | standards of the insurer. |
| Lafayette | | remain at all-time lows, and now is the | | |
| Green Bay | | time to lock in the best prices. | | Provisional Rate: Tentative rates, |
| Fairfax | | | | premiums or commissions that are |
| Muskegon | | Everyone has different needs, and | | subject to subsequent adjustment. |
| Palm Harbor | | not one size fits all when it comes to | | See Commission and Premium. |
| Pensacola | | term life insurance. While it may make | | |
| Tyler | | sense for people in their 30s and 40s | | Insurance Policy: The printed form |
| Burbank | | to secure a 20-year term length, a | | which serves as the contract between |
| High Point | | 10-year term might be more | | an insurer and an insured. |
| Toledo | | appropriate for someone nearing | | |
| Lawton | | retirement. | | Single Limit: Any insurance coverage |
| Staten Island | | | | which is expressed as a single |
| Columbia | | The quickest and easiest way to | | amount of insurance, or a single limit |
| Hartford | | shop for new insurance is by | | of liability. Contrast with Split Limit. |
| Pueblo | | comparing rates at InsWebs online | | |
| Mesa | | marketplace. If you do it the | | Cash Flow Underwriting: The use of |
| Albuquerque | | old-fashioned way (by calling or | | rating and premium collection |
| Jonesboro | | visiting multiple agents or insurance | | techniques by insurance companies |
| Quincy | | companies) it could take up a huge | | to maximize interest earnings on |
| Fort Smith | | chunk of your time, which no one | | premiums. |
| Erie | | wants or needs. By completing | | |
| Berkeley | | InsWebs online application, you will | | |
| Norwalk | | have rates to compare to your old | | |
| Scranton | | ones within minutes! | | |
