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| Goldsboro | | People who are trying to quit | | Shock Loss: A catastrophic loss so |
| Raleigh | | smoking, for example, might be best | | large that it has a material effect on |
| Minneapolis | | suited purchasing a shorter term (and | | the underwriting results of a company. |
| Anaheim | | then replacing it with a longer term | | |
| Eugene | | policy when they qualify for | | Losses Outstanding: A summary |
| St. Joseph | | non-tobacco prices). | | statement prepared by Property, Life, |
| Topeka | | | | and Liability insurers showing claims |
| Pensacola | | Life insurance, specifically Term Life, | | not yet settled. |
| Toms River | | is arguably one of the best values in | | |
| Dothan | | the entire financial services arena. | | Society of Insurance Research: An |
| Lawton | | Where else can you go and get | | organization which encourages |
| Jackson | | hundreds of thousands of dollars in | | insurance research and promotes the |
| Kansas City | | protection for literally pennies per | | exchange of ideas and methods of |
| Owensboro | | day? Rates for Term Life insurance | | research. |
| Flint | | remain at all-time lows, and now is the | | |
| Chattanooga | | time to lock in the best prices. | | Interstate Carrier: A transportation |
| New Port Richey | | | | company which does business |
| Hot Springs | | While some companies raise their | | across state lines. |
| Beaumont | | prices based on your actual age, | | |
| North Hollywood | | most companies increase the price of | | Deductible: The portion of an insured |
| Scranton | | their policies six months before your | | loss to be borne by the insured |
| Hemet | | birthday. Its a term called Age | | before he is entitled to recovery from |
| Rochester | | Nearest in the industry, and that | | the insurer. |
| Omaha | | half-year price increase could really | | |
| Peoria | | add up over a 20-year term policy. As | | Foreign Insurer: An insurer domiciled |
| Arlington | | above, the quicker you purchase your | | in a state of the United States other |
| Troy | | policy the better. | | than the one in which the insured's |
| Winter Park | | | | insurance is written. |
| Arlington | | The best time to switch policies is | | |
| Lincoln | | within one month of receiving your | | Underwriters Laboratories, Inc. (UL): A |
| Denver | | policy renewal from your current | | testing laboratory for manufactured |
| Chattanooga | | insurer. You can typically cancel your | | items to determine their safety |
| Racine | | policy without any fees or penalties if | | propensities. |
| Bloomington | | you act within this time period. | | |
