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| Goldsboro | | Individuals who have 30-year | | Policywriting Agent: An agent who has |
| Las Vegas | | mortgages might want to consider a | | the authority to prepare and effect an |
| Huntsville | | 30-year term to ensure that the house | | insurer's policy. |
| Flushing | | is protected throughout the period of | | |
| Pensacola | | the loan. | | Mandatory Valuation Reserve: A |
| Youngstown | | | | reserve required by a state law to |
| Marietta | | Life insurance, specifically Term Life, | | offset any declines in the valuation of |
| Oceanside | | is arguably one of the best values in | | securities listed as admitted assets. |
| Beaumont | | the entire financial services arena. | | |
| Long Beach | | Where else can you go and get | | Not Taken: Policies applied for and |
| West Palm Beach | | hundreds of thousands of dollars in | | issued but rejected by the proposed |
| Louisville | | protection for literally pennies per | | owner and not paid for. |
| Cincinnati | | day? Rates for Term Life insurance | | |
| Lafayette | | remain at all-time lows, and now is the | | Valuation Clause: A clause stating the |
| Henderson | | time to lock in the best prices. | | value of items for insurance |
| Williamsburg | | | | purposes, making it a valued policy. |
| Berkeley | | People who are trying to quit | | |
| Livonia | | smoking, for example, might be best | | Retrospective Premium: The final |
| Owensboro | | suited purchasing a shorter term (and | | premium in a retrospective rating |
| Bakersfield | | then replacing it with a longer term | | plan. See Retrospective Rating. |
| New York | | policy when they qualify for | | |
| Texarkana | | non-tobacco prices). | | Deficit Carried Forward: The transfer |
| Kingsport | | | | of a debit balance from one |
| Peoria | | Make sure you have a new policy in | | accounting period to another. |
| Overland Park | | place before you cancel your old one | | |
| Grand Rapids | | to avoid a lapse in coverage. This will | | Provisions: Statements contained in |
| Williamsport | | also prevent having to figure out the | | an insurance policy which explain the |
| Omaha | | amount of any unused premium that is | | benefits, conditions and other |
| St. Joseph | | due to you from your old insurance | | features of the insurance contract. |
| Newburgh | | company, or having to spar with your | | |
| Evansville | | agent about exactly when your policy | | Theory of Probability: The |
| Jackson | | was cancelled and how much they | | mathematical principle upon which |
| Oxnard | | owe you. | | insurance is based. |
