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| Lake Worth | | Shopping around is the best way to | | Premium Receipt: The receipt given |
| Longmont | | save money on your insurance. | | a policy owner for the payment of a |
| Athens | | | | premium. |
| Phoenix | | Everyone has different needs, and | | |
| Akron | | not one size fits all when it comes to | | Mandatory Valuation Reserve: A |
| Youngstown | | term life insurance. While it may make | | reserve required by a state law to |
| St. Joseph | | sense for people in their 30s and 40s | | offset any declines in the valuation of |
| Seattle | | to secure a 20-year term length, a | | securities listed as admitted assets. |
| Livonia | | 10-year term might be more | | |
| Ann Arbor | | appropriate for someone nearing | | American Risk and Insurance |
| Decatur | | retirement. | | Association: An association of |
| Gainesville | | | | insurance educators and others |
| Palm Harbor | | We offer quotes for auto insurance, | | interested in insurance study and |
| Winter Park | | life insurance, homeowners | | research. |
| Union | | insurance, health insurance, term life | | |
| Escondido | | insurance and more. | | Agent's License: A certificate of |
| Decatur | | | | authority from the state which permits |
| North Hollywood | | At InsWeb, you can compare free | | the agent to conduct business. |
| Inglewood | | online insurance quotes from many of | | |
| Mountain View | | the nations leading insurance | | Nonassignable: A policy that the |
| Aurora | | companies. | | owner cannot assign to a third party. |
| Decatur | | | | Most policies are nonassignable |
| Lexington | | Why not take advantage of current | | unless approval is given by the |
| San Francisco | | low prices? Many auto insurance | | insurer. |
| Muskegon | | consumers are becoming educated | | |
| Pembroke Pines | | on other companies, plans, and rates | | Theory of Probability: The |
| Biloxi | | that are available to them; ones that | | mathematical principle upon which |
| Pompano Beach | | could afford them significant savings | | insurance is based. |
| Lafayette | | on their auto insurance. | | |
| San Bernardino | | | | Capital Sum: The maximum lump sum |
| Myrtle Beach | | While some companies raise their | | payable in the event of accidental |
| Mobile | | prices based on your actual age, | | death or dismemberment. |
| Macon | | most companies increase the price of | | |
| Bronx | | their policies six months before your | | Short Rate Premium: The premium |
| Westbury | | birthday. Its a term called Age | | required for issuing a policy for a |
| Waco | | Nearest in the industry, and that | | period less than its normal term. |
| Santa Clara | | half-year price increase could really | | |
| Erie | | add up over a 20-year term policy. As | | |
| Duluth | | above, the quicker you purchase your | | |
| Troy | | policy the better. | | |
