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| Palm Desert | | Individuals who have 30-year | | Policy Anniversary: The anniversary |
| Cypress | | mortgages might want to consider a | | of the date of issue of a policy as |
| Reading | | 30-year term to ensure that the house | | shown in the policy declarations. |
| Naples | | is protected throughout the period of | | |
| Roanoke | | the loan. | | License: A certification of authority for |
| Boca Raton | | | | an agent or insurer to operate, given |
| Morristown | | Healthy people have the best | | by the appropriate jurisdiction. |
| Pembroke Pines | | mortality risks and thus are much | | |
| Gaithersburg | | cheaper for companies to insure. This | | We/Us/Our: These words are used to |
| Houston | | translates into lower rates for the | | refer to the insurer in many of the |
| Hampton | | Super Preferred customer than | | modernized/personalized policy |
| Canton | | someone with higher risk factors such | | forms recently introduced. |
| Flint | | as a heart condition, cancer or | | |
| Wilmington | | diabetes. Conversely, if you were | | Initial Premium: An amount paid at the |
| Staten Island | | unhealthy when you acquired your | | inception of an insurance contract, |
| Chattanooga | | policy, and your health has now | | usually subject to adjustment at the |
| Houma | | improved, it might be time to shop for | | end of the policy period. |
| Bayside | | a new policy, as your rates are likely | | |
| Union | | to be lower. | | Borderline Risk: An insurance |
| Houston | | | | prospect of doubtful quality from an |
| Newport News | | Life insurance, specifically Term Life, | | underwriting point of view. |
| Ann Arbor | | is arguably one of the best values in | | |
| Albany | | the entire financial services arena. | | Replacement: A new policy written to |
| Columbia | | Where else can you go and get | | take the place of one currently in force. |
| Shreveport | | hundreds of thousands of dollars in | | |
| Huntsville | | protection for literally pennies per | | Convention Values: Values assigned |
| Beaumont | | day? Rates for Term Life insurance | | to insurers' assets in the convention |
| Eugene | | remain at all-time lows, and now is the | | blank. |
| Albany | | time to lock in the best prices. | | |
| St. Paul | | | | Notice To Company: Written notice to |
| Daytona Beach | | If you decide to cancel your policy | | an insurer of the occurrence of an |
| Tampa | | (after acquiring new coverage) | | event which a claim is to be based. |
| Fort Lauderdale | | outside of the 30-day period, you may | | |
| Owensboro | | have to pay a fee or penalty. | | Building Code: This refers to |
| Independence | | However, you may still save money | | municipal or other governmental |
| Knoxville | | after paying the fee if your new policy | | ordinances regulating the type of |
| Spring Hill | | affords you significant savings. So | | construction of buildings within its |
| Denver | | while it is best to wait until your | | jurisdiction. |
| Amarillo | | receive your renewal notice, you CAN | | |
| Greenville | | cancel your policy at any time. | | |
