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| Dearborn | | Life insurance, specifically Term Life, | | Initial Premium: An amount paid at the |
| Yuma | | is arguably one of the best values in | | inception of an insurance contract, |
| Decatur | | the entire financial services arena. | | usually subject to adjustment at the |
| Tyler | | Where else can you go and get | | end of the policy period. |
| Anderson | | hundreds of thousands of dollars in | | |
| Boulder | | protection for literally pennies per | | Will Ride: Coverage that remains in |
| Arlington | | day? Rates for Term Life insurance | | effect regardless of the geographical |
| Sterling Heights | | remain at all-time lows, and now is the | | location in which a loss occurs. |
| Denton | | time to lock in the best prices. | | |
| Stuart | | | | Accident: An unplanned event, |
| Baton Rouge | | If you decide to cancel your policy | | unexpected and undesigned, which |
| Scranton | | (after acquiring new coverage) | | occurs suddenly and at a definite |
| Corona | | outside of the 30-day period, you may | | place. |
| Norfolk | | have to pay a fee or penalty. | | |
| Memphis | | However, you may still save money | | Leasehold: An agreement which |
| West Chester | | after paying the fee if your new policy | | gives a person the right to use and |
| San Bernardino | | affords you significant savings. So | | occupy property. |
| Las Vegas | | while it is best to wait until your | | |
| Amarillo | | receive your renewal notice, you CAN | | Equity: The money value of an |
| Nashville | | cancel your policy at any time. | | insurance company that is over and |
| Dubuque | | | | above its liabilities. Liabilities include |
| Fremont | | While some companies raise their | | almost all of its reserves. |
| Dearborn | | prices based on your actual age, | | |
| Naperville | | most companies increase the price of | | Adjustment Bureau: A firm organized |
| Lima | | their policies six months before your | | to provide adjustment services to |
| Bradenton | | birthday. Its a term called Age | | insurers not wishing to create their |
| Jacksonville | | Nearest in the industry, and that | | own claims division. |
| Carlsbad | | half-year price increase could really | | |
| Johnson City | | add up over a 20-year term policy. As | | Captive Agent: One who sells |
| Detroit | | above, the quicker you purchase your | | insurance for only one company as |
| Reading | | policy the better. | | opposed to an agent who represents |
| Killeen | | | | several companies. |
| Portsmouth | | At InsWeb, you can compare free | | |
| Quincy | | online insurance quotes from many of | | Buy-Back" Deductible: A deductible |
| Reno | | the nations leading insurance | | which may be eliminated for an |
| Charleston | | companies. | | additional premium in order to |
| Providence | | | | provide "first-dollar" coverage. |
