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| Sunnyvale | | Life insurance, specifically Term Life, | | Federal Deposit Insurance |
| St. Joseph | | is arguably one of the best values in | | Corporation (FDIC): An agency of the |
| Milwaukee | | the entire financial services arena. | | federal government which insures |
| Greenville | | Where else can you go and get | | bank deposits up to a stated |
| Johnson City | | hundreds of thousands of dollars in | | maximum. |
| St. Joseph | | protection for literally pennies per | | |
| Seattle | | day? Rates for Term Life insurance | | Stock Option Plan: Surviving |
| Edison | | remain at all-time lows, and now is the | | stockholders have the option to |
| Portland | | time to lock in the best prices. | | purchase or not purchase the shares |
| Quincy | | | | of a deceased stockholder. |
| Yonkers | | Everyone has different needs, and | | |
| Chicago | | not one size fits all when it comes to | | Submitted Business: Applications for |
| Los Angeles | | term life insurance. While it may make | | insurance submitted to an insurer but |
| Sacramento | | sense for people in their 30s and 40s | | not yet acted upon by it. |
| Dothan | | to secure a 20-year term length, a | | |
| Lansing | | 10-year term might be more | | Initial Premium: An amount paid at the |
| Modesto | | appropriate for someone nearing | | inception of an insurance contract, |
| Trenton | | retirement. | | usually subject to adjustment at the |
| Macon | | | | end of the policy period. |
| Olympia | | The quickest and easiest way to | | |
| Clarksville | | shop for new insurance is by | | Agent's License: A certificate of |
| Tampa | | comparing rates at InsWebs online | | authority from the state which permits |
| Tuscaloosa | | marketplace. If you do it the | | the agent to conduct business. |
| Waco | | old-fashioned way (by calling or | | |
| Fall River | | visiting multiple agents or insurance | | Capital Sum: The maximum lump sum |
| Woodbridge | | companies) it could take up a huge | | payable in the event of accidental |
| Montgomery | | chunk of your time, which no one | | death or dismemberment. |
| Little Rock | | wants or needs. By completing | | |
| Killeen | | InsWebs online application, you will | | Gain and Loss Exhibit: The portion of |
| Frederick | | have rates to compare to your old | | the convention blank which |
| Lubbock | | ones within minutes! | | represents an analysis of gains, |
| Frederick | | | | losses, and surplus during an |
| San Bernardino | | Healthy people have the best | | accounting period. |
| Newburgh | | mortality risks and thus are much | | |
| Durham | | cheaper for companies to insure. This | | |
| Worcester | | translates into lower rates for the | | |
| Irvine | | Super Preferred customer than | | |
| Las Vegas | | someone with higher risk factors such | | |
| Council Bluffs | | as a heart condition, cancer or | | |
| Alameda | | diabetes. Conversely, if you were | | |
| Topeka | | unhealthy when you acquired your | | |
| Houma | | policy, and your health has now | | |
| Fort Smith | | improved, it might be time to shop for | | |
| Florence | | a new policy, as your rates are likely | | |
| Orange Park | | to be lower. | | |
