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| Carlsbad | | At InsWeb, you can compare free | | FICA. Federal Insurance Contributions |
| Chicago | | online insurance quotes from many of | | Act: A law imposing a payroll tax to |
| Palm Harbor | | the nations leading insurance | | assist in funding Social Security |
| Overland Park | | companies. | | benefits. |
| Greenville | | | | |
| Omaha | | Make sure you have a new policy in | | Short Rate Premium: The premium |
| Olympia | | place before you cancel your old one | | required for issuing a policy for a |
| Lexington | | to avoid a lapse in coverage. This will | | period less than its normal term. |
| Columbus | | also prevent having to figure out the | | |
| Fort Collins | | amount of any unused premium that is | | Valued: Relating to an agreement by |
| Clarksville | | due to you from your old insurance | | an insurer to pay a specified amount |
| Huntington Beach | | company, or having to spar with your | | of money to or on behalf of the |
| Des Moines | | agent about exactly when your policy | | insured upon occurrence of a defined |
| Boca Raton | | was cancelled and how much they | | loss. |
| Alexandria | | owe you. | | |
| Panama City | | | | Underinsurance: A condition in which |
| Little Rock | | While some companies raise their | | not enough insurance is carried to |
| El Paso | | prices based on your actual age, | | cover the insurable value. |
| Cedar Rapids | | most companies increase the price of | | |
| Billings | | their policies six months before your | | Claim Expense: The expense of |
| Columbus | | birthday. Its a term called Age | | adjusting a claim, such as |
| Redlands | | Nearest in the industry, and that | | investigation and attorneys' fees. It |
| Quincy | | half-year price increase could really | | does not include the cost of the claim |
| Cedar Rapids | | add up over a 20-year term policy. As | | itself. |
| Norfolk | | above, the quicker you purchase your | | |
| Houston | | policy the better. | | Basic Rate: The manual rate from |
| Little Rock | | | | which discounts are taken or to which |
| Clearwater | | Life insurance, specifically Term Life, | | charges are added to reflect the |
| Montgomery | | is arguably one of the best values in | | individual circumstances of a risk. |
| Duluth | | the entire financial services arena. | | |
| Flint | | Where else can you go and get | | Legislative Risk: A risk faced by |
| Delray Beach | | hundreds of thousands of dollars in | | investors whereby changes in tax |
| Newport Beach | | protection for literally pennies per | | laws can result in adverse effects on |
| Norwalk | | day? Rates for Term Life insurance | | the individual's investment results. |
| Nashville | | remain at all-time lows, and now is the | | |
| Yuma | | time to lock in the best prices. | | |
