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| Sumter | | Individuals who have 30-year | | Exclusions: Specific situations, |
| Amarillo | | mortgages might want to consider a | | conditions, or circumstances that are |
| Garland | | 30-year term to ensure that the house | | listed in the contract as being not |
| Anderson | | is protected throughout the period of | | covered. |
| Greensboro | | the loan. | | |
| Anchorage | | | | Accident Year Experience: Measures |
| Stockton | | Life insurance, specifically Term Life, | | premiums and losses relating to |
| Pembroke Pines | | is arguably one of the best values in | | accidents which occurred during a |
| Baltimore | | the entire financial services arena. | | 12-month period. |
| Williamsburg | | Where else can you go and get | | |
| Fayetteville | | hundreds of thousands of dollars in | | Amendment: A formal document |
| Pasadena | | protection for literally pennies per | | which corrects or revises an |
| Bellevue | | day? Rates for Term Life insurance | | insurance master policy. |
| Lawton | | remain at all-time lows, and now is the | | |
| Green Bay | | time to lock in the best prices. | | Lapsed Policy: One which has been |
| Fredericksburg | | | | allowed to expire because of |
| Odessa | | Everyone has different needs, and | | nonpayment of premiums. |
| Kansas City | | not one size fits all when it comes to | | |
| Arlington | | term life insurance. While it may make | | Open Rating: A system whereby a |
| Portland | | sense for people in their 30s and 40s | | state allows an insurer to use rates |
| Goldsboro | | to secure a 20-year term length, a | | without prior approval. |
| Washington | | 10-year term might be more | | |
| Madison | | appropriate for someone nearing | | Gain and Loss Exhibit: The portion of |
| Silver Spring | | retirement. | | the convention blank which |
| Schaumburg | | | | represents an analysis of gains, |
| Buffalo | | While some companies raise their | | losses, and surplus during an |
| Roanoke | | prices based on your actual age, | | accounting period. |
| Corpus Christi | | most companies increase the price of | | |
| Lansing | | their policies six months before your | | Leasehold: An agreement which |
| Livonia | | birthday. Its a term called Age | | gives a person the right to use and |
| Silver Spring | | Nearest in the industry, and that | | occupy property. |
| Fort Wayne | | half-year price increase could really | | |
| Jacksonville | | add up over a 20-year term policy. As | | Agent's Balance: A periodic |
| Norfolk | | above, the quicker you purchase your | | statement of the sums due and owed |
| Fall River | | policy the better. | | to an agent under the agent's contract |
| Knoxville | | | | with an insurer. |
