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| Oceanside | | Life insurance, specifically Term Life, | | Substandard Risk: A risk not |
| Rapid City | | is arguably one of the best values in | | measuring up to underwriting |
| West Palm Beach | | the entire financial services arena. | | standards. It may still be written but |
| Warren | | Where else can you go and get | | usually at a surcharged premium. |
| Denton | | hundreds of thousands of dollars in | | |
| Macon | | protection for literally pennies per | | Insurance Examiner: The |
| Long Island City | | day? Rates for Term Life insurance | | representative of a state insurance |
| Pueblo | | remain at all-time lows, and now is the | | department assigned to participate in |
| Lakewood | | time to lock in the best prices. | | the official audit and examination of |
| Ocala | | | | an insurer. |
| Syracuse | | Everyone has different needs, and | | |
| Boise | | not one size fits all when it comes to | | Mutualization: The process of |
| Wichita Falls | | term life insurance. While it may make | | converting a stock insurer to a mutual |
| Downey | | sense for people in their 30s and 40s | | insurer, accomplished by having the |
| Raleigh | | to secure a 20-year term length, a | | insurer buy stock and retire it. |
| Woodbridge | | 10-year term might be more | | |
| Alameda | | appropriate for someone nearing | | Building Code: This refers to |
| Ogden | | retirement. | | municipal or other governmental |
| Muncie | | | | ordinances regulating the type of |
| Columbia | | While some companies raise their | | construction of buildings within its |
| Worcester | | prices based on your actual age, | | jurisdiction. |
| Franklin | | most companies increase the price of | | |
| Omaha | | their policies six months before your | | Director of Insurance: A title used in |
| Sumter | | birthday. Its a term called Age | | some states for the head of the |
| Lancaster | | Nearest in the industry, and that | | department of insurance. |
| Chesapeake | | half-year price increase could really | | |
| Yonkers | | add up over a 20-year term policy. As | | Agent's Balance: A periodic |
| Lawton | | above, the quicker you purchase your | | statement of the sums due and owed |
| San Jose | | policy the better. | | to an agent under the agent's contract |
| Goldsboro | | | | with an insurer. |
| Chula Vista | | We offer quotes for auto insurance, | | |
| Stockbridge | | life insurance, homeowners | | Approved: The condition which exists |
| Daytona Beach | | insurance, health insurance, term life | | when the person or object to be |
| Jersey City | | insurance and more. | | insured meets the underwriting |
| Fredericksburg | | | | standards of the insurer. |
