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| Metairie | | While some companies raise their | | Policywriting Agent: An agent who has |
| Walnut Creek | | prices based on your actual age, | | the authority to prepare and effect an |
| Hattiesburg | | most companies increase the price of | | insurer's policy. |
| Ocala | | their policies six months before your | | |
| Zanesville | | birthday. Its a term called Age | | Underwriters Laboratories, Inc. (UL): A |
| Santa Rosa | | Nearest in the industry, and that | | testing laboratory for manufactured |
| Albany | | half-year price increase could really | | items to determine their safety |
| Knoxville | | add up over a 20-year term policy. As | | propensities. |
| Monroe | | above, the quicker you purchase your | | |
| Duluth | | policy the better. | | Professional Insurance Agents |
| Livonia | | | | Association: A trade association of |
| Duluth | | Shopping around is the best way to | | mutual insurance agents. |
| Wichita | | save money on your insurance. | | |
| Lafayette | | | | Brokerage Business: Business |
| Goldsboro | | People who are trying to quit | | offered to an insurer by a broker. This |
| Warwick | | smoking, for example, might be best | | is sometimes called excess or |
| Trenton | | suited purchasing a shorter term (and | | surplus business. |
| Canton | | then replacing it with a longer term | | |
| Anderson | | policy when they qualify for | | Premium Receipt: The receipt given |
| South Bend | | non-tobacco prices). | | a policy owner for the payment of a |
| Boulder | | | | premium. |
| Oakland | | At InsWeb, you can compare free | | |
| Littleton | | online insurance quotes from many of | | Federal Deposit Insurance |
| Fort Collins | | the nations leading insurance | | Corporation (FDIC): An agency of the |
| Newburgh | | companies. | | federal government which insures |
| Evanston | | | | bank deposits up to a stated |
| Mountain View | | Everyone has different needs, and | | maximum. |
| Newport Beach | | not one size fits all when it comes to | | |
| Dallas | | term life insurance. While it may make | | Lapsed Policy: One which has been |
| Daytona Beach | | sense for people in their 30s and 40s | | allowed to expire because of |
| Coral Springs | | to secure a 20-year term length, a | | nonpayment of premiums. |
| Canton | | 10-year term might be more | | |
| Newburgh | | appropriate for someone nearing | | Theory of Probability: The |
| St. Paul | | retirement. | | mathematical principle upon which |
| Saginaw | | | | insurance is based. |
