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| Vineland | | Individuals who have 30-year | | Captive Agent: One who sells |
| Racine | | mortgages might want to consider a | | insurance for only one company as |
| Acworth | | 30-year term to ensure that the house | | opposed to an agent who represents |
| Acworth | | is protected throughout the period of | | several companies. |
| Johnson City | | the loan. | | |
| Colorado Springs | | | | Tariff Rate: A rate established by a |
| Southfield | | Life insurance, specifically Term Life, | | rating organization, which comes from |
| Aurora | | is arguably one of the best values in | | the tables, schedules and rules found |
| Anderson | | the entire financial services arena. | | in the tariff of rates. |
| Bloomington | | Where else can you go and get | | |
| Metairie | | hundreds of thousands of dollars in | | Foreign Insurer: An insurer domiciled |
| Minneapolis | | protection for literally pennies per | | in a state of the United States other |
| Kansas City | | day? Rates for Term Life insurance | | than the one in which the insured's |
| Ann Arbor | | remain at all-time lows, and now is the | | insurance is written. |
| Newport News | | time to lock in the best prices. | | |
| Longwood | | | | Loss Frequency: The number of times |
| Independence | | While some companies raise their | | a loss occurs over a specific period |
| Long Island City | | prices based on your actual age, | | of time. |
| Plano | | most companies increase the price of | | |
| Quincy | | their policies six months before your | | Underwriters Laboratories, Inc. (UL): A |
| Erie | | birthday. Its a term called Age | | testing laboratory for manufactured |
| Salt Lake City | | Nearest in the industry, and that | | items to determine their safety |
| Fort Smith | | half-year price increase could really | | propensities. |
| Fort Wayne | | add up over a 20-year term policy. As | | |
| Jackson | | above, the quicker you purchase your | | Not Taken: Policies applied for and |
| Alexandria | | policy the better. | | issued but rejected by the proposed |
| Charlotte | | | | owner and not paid for. |
| Reno | | If you decide to cancel your policy | | |
| Orange | | (after acquiring new coverage) | | Buy-Back" Deductible: A deductible |
| Dallas | | outside of the 30-day period, you may | | which may be eliminated for an |
| Irving | | have to pay a fee or penalty. | | additional premium in order to |
| Henderson | | However, you may still save money | | provide "first-dollar" coverage. |
| Independence | | after paying the fee if your new policy | | |
| Riverside | | affords you significant savings. So | | Sherman Antitrust Act: An antitrust law |
| Marietta | | while it is best to wait until your | | from which insurance is exempted to |
| Berkeley | | receive your renewal notice, you CAN | | the extent that it is regulated by state |
| Memphis | | cancel your policy at any time. | | law. |
