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| Valdosta | | People who are trying to quit | | Earned Income: The money |
| Washington | | smoking, for example, might be best | | individuals earn as a result of working |
| Rochester | | suited purchasing a shorter term (and | | at some job or occupation for which |
| Spring Hill | | then replacing it with a longer term | | they are paid a salary. |
| Lincoln | | policy when they qualify for | | |
| Tuscaloosa | | non-tobacco prices). | | Buy-Back" Deductible: A deductible |
| Gulfport | | | | which may be eliminated for an |
| Waterloo | | Everyone has different needs, and | | additional premium in order to |
| Cincinnati | | not one size fits all when it comes to | | provide "first-dollar" coverage. |
| Worcester | | term life insurance. While it may make | | |
| Aurora | | sense for people in their 30s and 40s | | Examiner: An employee assigned by |
| Walnut Creek | | to secure a 20-year term length, a | | the state insurance department to |
| Dayton | | 10-year term might be more | | audit insurers' records. |
| Fort Lauderdale | | appropriate for someone nearing | | |
| New York | | retirement. | | Loss Adjustment Expense: The cost |
| Alexandria | | | | of adjusting losses, excluding the |
| Long Island City | | Healthy people have the best | | amount of the loss itself. |
| Yonkers | | mortality risks and thus are much | | |
| Duluth | | cheaper for companies to insure. This | | You/Your: These words are used to |
| Denver | | translates into lower rates for the | | refer to the named insured in many of |
| Santa Rosa | | Super Preferred customer than | | the modernized/personalized policy |
| Portland | | someone with higher risk factors such | | forms. |
| Midland | | as a heart condition, cancer or | | |
| Los Angeles | | diabetes. Conversely, if you were | | Replacement: A new policy written to |
| Clinton Township | | unhealthy when you acquired your | | take the place of one currently in force. |
| Nashville | | policy, and your health has now | | |
| Hattiesburg | | improved, it might be time to shop for | | Broker of Record: A broker who has |
| Pueblo | | a new policy, as your rates are likely | | been designated to handle certain |
| Sacramento | | to be lower. | | insurance contracts for the |
| Silver Spring | | | | policyholder. |
| Rockville | | Individuals who have 30-year | | |
| Malden | | mortgages might want to consider a | | Premises: The particular location of |
| Boise | | 30-year term to ensure that the house | | property or a portion thereof as |
| Raleigh | | is protected throughout the period of | | designated in a policy. |
| Walnut Creek | | the loan. | | |
