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| Bradenton | | The best time to switch policies is | | Index Bureau Experience: A measure |
| Abilene | | within one month of receiving your | | of losses relating to claims reported |
| Lafayette | | policy renewal from your current | | through a claim office during a |
| Oceanside | | insurer. You can typically cancel your | | 12-month period. |
| Rochester | | policy without any fees or penalties if | | |
| Edison | | you act within this time period. | | Brick Veneer Construction: Refers to |
| San Diego | | | | a building where the outside walls are |
| Owensboro | | Healthy people have the best | | constructed of wood with a facing of a |
| Lakewood | | mortality risks and thus are much | | single layer of brick. |
| Alameda | | cheaper for companies to insure. This | | |
| Grand Rapids | | translates into lower rates for the | | Policy Anniversary: The anniversary |
| Savannah | | Super Preferred customer than | | of the date of issue of a policy as |
| Thousand Oaks | | someone with higher risk factors such | | shown in the policy declarations. |
| Fayetteville | | as a heart condition, cancer or | | |
| Grand Rapids | | diabetes. Conversely, if you were | | Authorized Insurer: An insurer |
| Marietta | | unhealthy when you acquired your | | authorized by the state to transact |
| Orlando | | policy, and your health has now | | business in that state for specific |
| Oklahoma City | | improved, it might be time to shop for | | types of insurance. |
| Baton Rouge | | a new policy, as your rates are likely | | |
| Silver Spring | | to be lower. | | Dual Life Stock Company: A stock |
| Huntsville | | | | Life insurer issuing both participating |
| Cranston | | People who are trying to quit | | and nonparticipating policy contracts. |
| San Antonio | | smoking, for example, might be best | | |
| Madison | | suited purchasing a shorter term (and | | Tabular Plan: A retrospective rating |
| Scottsdale | | then replacing it with a longer term | | plan, which uses tables to furnish the |
| Bayside | | policy when they qualify for | | various values for the rating formula. |
| Odessa | | non-tobacco prices). | | |
| Alameda | | | | Divided Cover: The placing of |
| Memphis | | Life insurance, specifically Term Life, | | insurance on a given subject or |
| Warwick | | is arguably one of the best values in | | object with more than one insurer. |
| Toms River | | the entire financial services arena. | | |
| Jacksonville | | Where else can you go and get | | Liquidity: The ability of an insurer to |
| Cypress | | hundreds of thousands of dollars in | | convert its assets into cash to pay |
| Baton Rouge | | protection for literally pennies per | | claims if necessary. |
| Norfolk | | day? Rates for Term Life insurance | | |
| Scottsdale | | remain at all-time lows, and now is the | | |
| Killeen | | time to lock in the best prices. | | |
