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| Mesa | | At InsWeb, you can compare free | | Substandard Risk: A risk not |
| Frederick | | online insurance quotes from many of | | measuring up to underwriting |
| Scottsdale | | the nations leading insurance | | standards. It may still be written but |
| Venice | | companies. | | usually at a surcharged premium. |
| Dayton | | | | |
| Long Island City | | Everyone has different needs, and | | FICA. Federal Insurance Contributions |
| Spring Hill | | not one size fits all when it comes to | | Act: A law imposing a payroll tax to |
| Honolulu | | term life insurance. While it may make | | assist in funding Social Security |
| Palm Harbor | | sense for people in their 30s and 40s | | benefits. |
| Lancaster | | to secure a 20-year term length, a | | |
| Clarksville | | 10-year term might be more | | Basic Rate: The manual rate from |
| Midland | | appropriate for someone nearing | | which discounts are taken or to which |
| Lakewood | | retirement. | | charges are added to reflect the |
| Stockton | | | | individual circumstances of a risk. |
| Saginaw | | Individuals who have 30-year | | |
| Long Island City | | mortgages might want to consider a | | Premium Receipt: The receipt given |
| Miami | | 30-year term to ensure that the house | | a policy owner for the payment of a |
| Monroe | | is protected throughout the period of | | premium. |
| Malden | | the loan. | | |
| Berkeley | | | | Insurance to Value: Insurance written |
| Santa Ana | | People who are trying to quit | | in an amount approximating the value |
| Stockton | | smoking, for example, might be best | | of the property insured. |
| Duluth | | suited purchasing a shorter term (and | | |
| Las Vegas | | then replacing it with a longer term | | Sole Proprietorship: A business |
| Baltimore | | policy when they qualify for | | enterprise owned by one person who |
| San Diego | | non-tobacco prices). | | is its manager and employee. |
