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| Newark | | Individuals who have 30-year | | FICA. Federal Insurance Contributions |
| Des Moines | | mortgages might want to consider a | | Act: A law imposing a payroll tax to |
| Union | | 30-year term to ensure that the house | | assist in funding Social Security |
| Baton Rouge | | is protected throughout the period of | | benefits. |
| Livonia | | the loan. | | |
| Albany | | | | Building Code: This refers to |
| Lafayette | | Healthy people have the best | | municipal or other governmental |
| San Diego | | mortality risks and thus are much | | ordinances regulating the type of |
| Allentown | | cheaper for companies to insure. This | | construction of buildings within its |
| Gainesville | | translates into lower rates for the | | jurisdiction. |
| Independence | | Super Preferred customer than | | |
| Boca Raton | | someone with higher risk factors such | | Foreign Insurer: An insurer domiciled |
| Lubbock | | as a heart condition, cancer or | | in a state of the United States other |
| Erie | | diabetes. Conversely, if you were | | than the one in which the insured's |
| Zanesville | | unhealthy when you acquired your | | insurance is written. |
| Madison | | policy, and your health has now | | |
| Gainesville | | improved, it might be time to shop for | | Calendar Year Experience: This |
| Jersey City | | a new policy, as your rates are likely | | measures the premiums and losses |
| Honolulu | | to be lower. | | entered on accounting records during |
| Portland | | | | the 12-month calendar. |
| Boulder | | Everyone has different needs, and | | |
| Colorado Springs | | not one size fits all when it comes to | | Dual Life Stock Company: A stock |
| Staten Island | | term life insurance. While it may make | | Life insurer issuing both participating |
| Oakland | | sense for people in their 30s and 40s | | and nonparticipating policy contracts. |
| Grand Prairie | | to secure a 20-year term length, a | | |
| Mobile | | 10-year term might be more | | Producer: A term applied to an agent, |
| Detroit | | appropriate for someone nearing | | solicitor or other person who sells |
| Berkeley | | retirement. | | insurance. |