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| Las Vegas | | The best time to switch policies is | | Tariff Rate: A rate established by a |
| Columbus | | within one month of receiving your | | rating organization, which comes from |
| Mesa | | policy renewal from your current | | the tables, schedules and rules found |
| Canton | | insurer. You can typically cancel your | | in the tariff of rates. |
| Sumter | | policy without any fees or penalties if | | |
| Fort Myers | | you act within this time period. | | Stock Option Plan: Surviving |
| Anchorage | | | | stockholders have the option to |
| Palm Desert | | Healthy people have the best | | purchase or not purchase the shares |
| Council Bluffs | | mortality risks and thus are much | | of a deceased stockholder. |
| Newport News | | cheaper for companies to insure. This | | |
| Columbia | | translates into lower rates for the | | Examiner: An employee assigned by |
| Boise | | Super Preferred customer than | | the state insurance department to |
| Bradenton | | someone with higher risk factors such | | audit insurers' records. |
| Yonkers | | as a heart condition, cancer or | | |
| Tempe | | diabetes. Conversely, if you were | | Claim: A demand made by the |
| Williamsport | | unhealthy when you acquired your | | insured, or the insured's beneficiary, |
| Williamsport | | policy, and your health has now | | for payment of the benefits provided |
| Poughkeepsie | | improved, it might be time to shop for | | by the contract. |
| Frederick | | a new policy, as your rates are likely | | |
| Oceanside | | to be lower. | | Incurred Expense: Expenses not yet |
| Lakeland | | | | paid. Can also include paid |
| Alameda | | Individuals who have 30-year | | expenses in some accounting |
| Nashua | | mortgages might want to consider a | | systems. |
| North Hollywood | | 30-year term to ensure that the house | | |
| Garland | | is protected throughout the period of | | Divided Cover: The placing of |
| Downey | | the loan. | | insurance on a given subject or |
| Mesa | | | | object with more than one insurer. |
| Williamsport | | Life insurance, specifically Term Life, | | |
| Des Moines | | is arguably one of the best values in | | Agent's License: A certificate of |
| Tyler | | the entire financial services arena. | | authority from the state which permits |
| Detroit | | Where else can you go and get | | the agent to conduct business. |
| Harrisburg | | hundreds of thousands of dollars in | | |
| Waterloo | | protection for literally pennies per | | Short-Term Policy: A policy written for |
| Albuquerque | | day? Rates for Term Life insurance | | a period of less time than is normal for |
| Venice | | remain at all-time lows, and now is the | | that type of policy. |
| Boise | | time to lock in the best prices. | | |
