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| Glendale | | Everyone has different needs, and | | Nonadmitted Insurer: An insurer not |
| Morristown | | not one size fits all when it comes to | | licensed to do business in the |
| Wichita | | term life insurance. While it may make | | jurisdiction in question. Same as |
| Knoxville | | sense for people in their 30s and 40s | | Unauthorized Insurer and Unlicensed |
| Richmond | | to secure a 20-year term length, a | | Insurer. |
| Rockford | | 10-year term might be more | | |
| Boca Raton | | appropriate for someone nearing | | Losses Incurred: The total losses, |
| Buffalo | | retirement. | | whether paid or not, sustained by an |
| Columbus | | | | insurer during a given period, e.g., 12 |
| Elkhart | | The quickest and easiest way to | | months. |
| West Chester | | shop for new insurance is by | | |
| Cranston | | comparing rates at InsWebs online | | Absolute Assignment: Assignment by |
| Bakersfield | | marketplace. If you do it the | | a policy owner of all control of and |
| St. Paul | | old-fashioned way (by calling or | | rights in the policy to a third party. |
| San Antonio | | visiting multiple agents or insurance | | |
| San Bernardino | | companies) it could take up a huge | | Paid-In Surplus: Surplus paid in by |
| Owensboro | | chunk of your time, which no one | | stockholders, as contrasted with |
| Atlanta | | wants or needs. By completing | | surplus earned through the |
| Fort Wayne | | InsWebs online application, you will | | operations of a business. |
| Harlingen | | have rates to compare to your old | | |
| Longwood | | ones within minutes! | | Insurance Examiner: The |
| Stockton | | | | representative of a state insurance |
| Dearborn | | Shopping around is the best way to | | department assigned to participate in |
| Tacoma | | save money on your insurance. | | the official audit and examination of |
| Melbourne | | | | an insurer. |
| Norwalk | | Life insurance, specifically Term Life, | | |
| Wilmington | | is arguably one of the best values in | | Accident: An unplanned event, |
| Livonia | | the entire financial services arena. | | unexpected and undesigned, which |
| Anchorage | | Where else can you go and get | | occurs suddenly and at a definite |
| Oakland | | hundreds of thousands of dollars in | | place. |
| Fayetteville | | protection for literally pennies per | | |
| Tempe | | day? Rates for Term Life insurance | | Criticism: A correction suggested by a |
| Santa Monica | | remain at all-time lows, and now is the | | rating or auditing bureau to an insurer. |
| Wilmington | | time to lock in the best prices. | | |
