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| Dothan | | People who are trying to quit | | Theory of Probability: The |
| Myrtle Beach | | smoking, for example, might be best | | mathematical principle upon which |
| Nashua | | suited purchasing a shorter term (and | | insurance is based. |
| Downey | | then replacing it with a longer term | | |
| Walnut Creek | | policy when they qualify for | | Minimum Premium: The smallest |
| Madison | | non-tobacco prices). | | amount of premium for which an |
| Akron | | | | insurer will issue coverage under a |
| Lubbock | | Everyone has different needs, and | | given policy. |
| Amarillo | | not one size fits all when it comes to | | |
| Myrtle Beach | | term life insurance. While it may make | | Agency: An insurance sales office |
| Springfield | | sense for people in their 30s and 40s | | which is directed by a agent, |
| Hartford | | to secure a 20-year term length, a | | manager, independent agent, or |
| Grand Junction | | 10-year term might be more | | company manager. |
| Tyler | | appropriate for someone nearing | | |
| Kingsport | | retirement. | | Agency Contract (or Agreement): The |
| Duluth | | | | document which establishes the legal |
| Anchorage | | Life insurance, specifically Term Life, | | relationship between an agent and an |
| Rochester | | is arguably one of the best values in | | insurer. |
| Dayton | | the entire financial services arena. | | |
| Vero Beach | | Where else can you go and get | | Sherman Antitrust Act: An antitrust law |
| Lima | | hundreds of thousands of dollars in | | from which insurance is exempted to |
| Arlington | | protection for literally pennies per | | the extent that it is regulated by state |
| Sacramento | | day? Rates for Term Life insurance | | law. |
| Warren | | remain at all-time lows, and now is the | | |
| Cleveland | | time to lock in the best prices. | | Capital Sum: The maximum lump sum |
| Alexandria | | | | payable in the event of accidental |
| Fort Myers | | Healthy people have the best | | death or dismemberment. |
| Marietta | | mortality risks and thus are much | | |
| Longview | | cheaper for companies to insure. This | | Nonadmitted Insurer: An insurer not |
| Wilmington | | translates into lower rates for the | | licensed to do business in the |
| Lowell | | Super Preferred customer than | | jurisdiction in question. Same as |
| Lincoln | | someone with higher risk factors such | | Unauthorized Insurer and Unlicensed |
| Columbus | | as a heart condition, cancer or | | Insurer. |
| Wilmington | | diabetes. Conversely, if you were | | |
| Acworth | | unhealthy when you acquired your | | |
| Savannah | | policy, and your health has now | | |
| Worcester | | improved, it might be time to shop for | | |
| Lake Worth | | a new policy, as your rates are likely | | |
| Newport News | | to be lower. | | |
