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| Las Vegas | | Individuals who have 30-year | | License: A certification of authority for |
| Jacksonville | | mortgages might want to consider a | | an agent or insurer to operate, given |
| Lorain | | 30-year term to ensure that the house | | by the appropriate jurisdiction. |
| Huntington | | is protected throughout the period of | | |
| Winter Haven | | the loan. | | Claim: A demand made by the |
| Tucson | | | | insured, or the insured's beneficiary, |
| Quincy | | Everyone has different needs, and | | for payment of the benefits provided |
| Newburgh | | not one size fits all when it comes to | | by the contract. |
| Cookeville | | term life insurance. While it may make | | |
| Dearborn | | sense for people in their 30s and 40s | | Dual Life Stock Company: A stock |
| Worcester | | to secure a 20-year term length, a | | Life insurer issuing both participating |
| Denton | | 10-year term might be more | | and nonparticipating policy contracts. |
| Pasadena | | appropriate for someone nearing | | |
| Spokane | | retirement. | | Malinger: To feign a disability for the |
| Costa Mesa | | | | purpose of continuing to collect |
| Grand Rapids | | At InsWeb, you can compare free | | benefits longer than actually |
| Rockville | | online insurance quotes from many of | | necessary. |
| Omaha | | the nations leading insurance | | |
| West Chester | | companies. | | Will Ride: Coverage that remains in |
| Salt Lake City | | | | effect regardless of the geographical |
| Bradenton | | People who are trying to quit | | location in which a loss occurs. |
| Hot Springs | | smoking, for example, might be best | | |
| Bethlehem | | suited purchasing a shorter term (and | | Capital Sum: The maximum lump sum |
| Lansing | | then replacing it with a longer term | | payable in the event of accidental |
| St. Paul | | policy when they qualify for | | death or dismemberment. |
| Fort Wayne | | non-tobacco prices). | | |
| Fort Lauderdale | | | | Agency: An insurance sales office |
| Bethlehem | | If you decide to cancel your policy | | which is directed by a agent, |
| West Palm Beach | | (after acquiring new coverage) | | manager, independent agent, or |
| Chula Vista | | outside of the 30-day period, you may | | company manager. |
| Youngstown | | have to pay a fee or penalty. | | |
| Billings | | However, you may still save money | | Preferred Risk: Any risk considered |
| Salem | | after paying the fee if your new policy | | to be better than the standard risk on |
| Franklin | | affords you significant savings. So | | which the premium rate was |
| Greensboro | | while it is best to wait until your | | calculated. |
| Sarasota | | receive your renewal notice, you CAN | | |
| Fayetteville | | cancel your policy at any time. | | |
