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| Hot Springs | | Life insurance, specifically Term Life, | | Partnership Entity: The partnership |
| Spring Hill | | is arguably one of the best values in | | considered as an entity and not in |
| Fayetteville | | the entire financial services arena. | | terms of its individual part-owners. |
| Spartanburg | | Where else can you go and get | | |
| Greeley | | hundreds of thousands of dollars in | | Policy Anniversary: The anniversary |
| Springfield | | protection for literally pennies per | | of the date of issue of a policy as |
| Davenport | | day? Rates for Term Life insurance | | shown in the policy declarations. |
| Las Vegas | | remain at all-time lows, and now is the | | |
| Hartford | | time to lock in the best prices. | | Brick Veneer Construction: Refers to |
| Florissant | | | | a building where the outside walls are |
| Kansas City | | People who are trying to quit | | constructed of wood with a facing of a |
| Quincy | | smoking, for example, might be best | | single layer of brick. |
| Denton | | suited purchasing a shorter term (and | | |
| Costa Mesa | | then replacing it with a longer term | | Broker-Agent: One acting as an agent |
| Southfield | | policy when they qualify for | | of one or more insurers and as a |
| Boynton Beach | | non-tobacco prices). | | broker in dealing with one or more |
| Edison | | | | other insurers. |
| Allentown | | Individuals who have 30-year | | |
| Atlanta | | mortgages might want to consider a | | Leasehold: An agreement which |
| Wilmington | | 30-year term to ensure that the house | | gives a person the right to use and |
| Duluth | | is protected throughout the period of | | occupy property. |
| Norfolk | | the loan. | | |
| Hattiesburg | | | | Overlapping Insurance: Coverage |
| Birmingham | | The best time to switch policies is | | from two or more policies or insurers |
| Norwalk | | within one month of receiving your | | which duplicates coverage of certain |
| Overland Park | | policy renewal from your current | | risks. |
| St. Paul | | insurer. You can typically cancel your | | |
| Jasper | | policy without any fees or penalties if | | Accident Year Experience: Measures |
| Gainesville | | you act within this time period. | | premiums and losses relating to |
| Athens | | | | accidents which occurred during a |
| Quincy | | While some companies raise their | | 12-month period. |
| Bay City | | prices based on your actual age, | | |
| Lorain | | most companies increase the price of | | Claim Expense: The expense of |
| Livonia | | their policies six months before your | | adjusting a claim, such as |
| Harrisburg | | birthday. Its a term called Age | | investigation and attorneys' fees. It |
| Anchorage | | Nearest in the industry, and that | | does not include the cost of the claim |
| Arlington | | half-year price increase could really | | itself. |
| Fairfax | | add up over a 20-year term policy. As | | |
| Chicago | | above, the quicker you purchase your | | |
| Phoenix | | policy the better. | | |
