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| Midland | | Make sure you have a new policy in | | Gross Line: The total limit accepted |
| Philadelphia | | place before you cancel your old one | | by an insurer on an individual risk, |
| Little Rock | | to avoid a lapse in coverage. This will | | including the amount to be reinsured. |
| Longmont | | also prevent having to figure out the | | |
| Santa Clara | | amount of any unused premium that is | | Independent Contractor: One who |
| Dothan | | due to you from your old insurance | | agrees to perform according to a |
| Lakewood | | company, or having to spar with your | | contract and who is not an employee. |
| Lakewood | | agent about exactly when your policy | | |
| Chesapeake | | was cancelled and how much they | | Policy Anniversary: The anniversary |
| Chattanooga | | owe you. | | of the date of issue of a policy as |
| Midland | | | | shown in the policy declarations. |
| West Palm Beach | | Healthy people have the best | | |
| Fort Smith | | mortality risks and thus are much | | Society of Insurance Research: An |
| Staten Island | | cheaper for companies to insure. This | | organization which encourages |
| Spring Hill | | translates into lower rates for the | | insurance research and promotes the |
| Scranton | | Super Preferred customer than | | exchange of ideas and methods of |
| Portsmouth | | someone with higher risk factors such | | research. |
| Reading | | as a heart condition, cancer or | | |
| Springfield | | diabetes. Conversely, if you were | | Exclusions: Specific situations, |
| Poughkeepsie | | unhealthy when you acquired your | | conditions, or circumstances that are |
| Scottsdale | | policy, and your health has now | | listed in the contract as being not |
| Dallas | | improved, it might be time to shop for | | covered. |
| Fort Myers | | a new policy, as your rates are likely | | |
| Springfield | | to be lower. | | Convention Values: Values assigned |
| Spring Hill | | | | to insurers' assets in the convention |
| Jackson | | Life insurance, specifically Term Life, | | blank. |
| Hampton | | is arguably one of the best values in | | |
| Rockville | | the entire financial services arena. | | Borderline Risk: An insurance |
| Springfield | | Where else can you go and get | | prospect of doubtful quality from an |
| Jackson | | hundreds of thousands of dollars in | | underwriting point of view. |
| Macon | | protection for literally pennies per | | |
| Lafayette | | day? Rates for Term Life insurance | | Theory of Probability: The |
| Grand Junction | | remain at all-time lows, and now is the | | mathematical principle upon which |
| Oceanside | | time to lock in the best prices. | | insurance is based. |
