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| Albuquerque | | While some companies raise their | | Premium: The price of insurance |
| Shreveport | | prices based on your actual age, | | protection for a specified risk for a |
| Gainesville | | most companies increase the price of | | specified period of time. |
| Odessa | | their policies six months before your | | |
| Slidell | | birthday. Its a term called Age | | Stock Option Plan: Surviving |
| Bloomington | | Nearest in the industry, and that | | stockholders have the option to |
| Rochester | | half-year price increase could really | | purchase or not purchase the shares |
| Williamsburg | | add up over a 20-year term policy. As | | of a deceased stockholder. |
| Edmond | | above, the quicker you purchase your | | |
| Hartford | | policy the better. | | Collusion: An agreement, usually |
| Owensboro | | | | secret, between two or more persons |
| Overland Park | | At InsWeb, you can compare free | | to defraud or deprive another or |
| Fairfax | | online insurance quotes from many of | | others of their property or rights. |
| Decatur | | the nations leading insurance | | |
| New Port Richey | | companies. | | Nonadmitted Insurer: An insurer not |
| Walnut Creek | | | | licensed to do business in the |
| Youngstown | | Life insurance, specifically Term Life, | | jurisdiction in question. Same as |
| Winter Haven | | is arguably one of the best values in | | Unauthorized Insurer and Unlicensed |
| Ann Arbor | | the entire financial services arena. | | Insurer. |
| Oxnard | | Where else can you go and get | | |
| Springfield | | hundreds of thousands of dollars in | | Other Insurance: The existence of |
| Harrisburg | | protection for literally pennies per | | other contracts covering the same |
| Corona | | day? Rates for Term Life insurance | | interest and perils. |
| Gulfport | | remain at all-time lows, and now is the | | |
| Schaumburg | | time to lock in the best prices. | | Mandatory Valuation Reserve: A |
| Warwick | | | | reserve required by a state law to |
| Pensacola | | Individuals who have 30-year | | offset any declines in the valuation of |
| Silver Spring | | mortgages might want to consider a | | securities listed as admitted assets. |
| Bradenton | | 30-year term to ensure that the house | | |
| Columbia | | is protected throughout the period of | | Dual Life Stock Company: A stock |
| Riverside | | the loan. | | Life insurer issuing both participating |
| Milwaukee | | | | and nonparticipating policy contracts. |
| Springfield | | If you decide to cancel your policy | | |
| West Palm Beach | | (after acquiring new coverage) | | Tabular Plan: A retrospective rating |
| West Chester | | outside of the 30-day period, you may | | plan, which uses tables to furnish the |
| Santa Ana | | have to pay a fee or penalty. | | various values for the rating formula. |
| Oakland | | However, you may still save money | | |
| Thousand Oaks | | after paying the fee if your new policy | | |
| Reno | | affords you significant savings. So | | |
| Warren | | while it is best to wait until your | | |
| Vineland | | receive your renewal notice, you CAN | | |
| Columbia | | cancel your policy at any time. | | |
