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| Tulsa | | Life insurance, specifically Term Life, | | Theory of Probability: The |
| Boulder | | is arguably one of the best values in | | mathematical principle upon which |
| West Chester | | the entire financial services arena. | | insurance is based. |
| Bronx | | Where else can you go and get | | |
| Anchorage | | hundreds of thousands of dollars in | | Sole Proprietorship: A business |
| Stockton | | protection for literally pennies per | | enterprise owned by one person who |
| Cherry Hill | | day? Rates for Term Life insurance | | is its manager and employee. |
| Milwaukee | | remain at all-time lows, and now is the | | |
| Palo Alto | | time to lock in the best prices. | | Overlapping Insurance: Coverage |
| Reno | | | | from two or more policies or insurers |
| Knoxville | | The best time to switch policies is | | which duplicates coverage of certain |
| Mobile | | within one month of receiving your | | risks. |
| Roanoke | | policy renewal from your current | | |
| Trenton | | insurer. You can typically cancel your | | Losses Incurred: The total losses, |
| Orange Park | | policy without any fees or penalties if | | whether paid or not, sustained by an |
| Davenport | | you act within this time period. | | insurer during a given period, e.g., 12 |
| Staten Island | | | | months. |
| Waco | | Shopping around is the best way to | | |
| Biloxi | | save money on your insurance. | | Malicious Mischief: Similar to |
| Overland Park | | | | vandalism. Purposely damaging the |
| Evansville | | Healthy people have the best | | rights or property of another. |
| Franklin | | mortality risks and thus are much | | |
| Valdosta | | cheaper for companies to insure. This | | Deficit Carried Forward: The transfer |
| Fairfax | | translates into lower rates for the | | of a debit balance from one |
| Edmond | | Super Preferred customer than | | accounting period to another. |
| Huntington Beach | | someone with higher risk factors such | | |
| Sterling Heights | | as a heart condition, cancer or | | Net Loss: The amount of loss |
| Kingsport | | diabetes. Conversely, if you were | | sustained by an insurer after giving |
| Newport News | | unhealthy when you acquired your | | effect to all applicable reinsurance, |
| Chicago | | policy, and your health has now | | salvage, and subrogation recoveries. |
| Quincy | | improved, it might be time to shop for | | |
| Greenville | | a new policy, as your rates are likely | | Policy Anniversary: The anniversary |
| Kalamazoo | | to be lower. | | of the date of issue of a policy as |
| Tempe | | | | shown in the policy declarations. |
