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| Bloomington | | While some companies raise their | | Partnership Entity: The partnership |
| Owensboro | | prices based on your actual age, | | considered as an entity and not in |
| Fort Smith | | most companies increase the price of | | terms of its individual part-owners. |
| Winter Haven | | their policies six months before your | | |
| Slidell | | birthday. Its a term called Age | | Paid-In Surplus: Surplus paid in by |
| Ann Arbor | | Nearest in the industry, and that | | stockholders, as contrasted with |
| Worcester | | half-year price increase could really | | surplus earned through the |
| South Bend | | add up over a 20-year term policy. As | | operations of a business. |
| Bloomington | | above, the quicker you purchase your | | |
| Los Angeles | | policy the better. | | Index Bureau Experience: A measure |
| Denton | | | | of losses relating to claims reported |
| Jasper | | Life insurance, specifically Term Life, | | through a claim office during a |
| Williamsport | | is arguably one of the best values in | | 12-month period. |
| Detroit | | the entire financial services arena. | | |
| Silver Spring | | Where else can you go and get | | Accident Year Experience: Measures |
| Rochester | | hundreds of thousands of dollars in | | premiums and losses relating to |
| Slidell | | protection for literally pennies per | | accidents which occurred during a |
| Scottsdale | | day? Rates for Term Life insurance | | 12-month period. |
| Birmingham | | remain at all-time lows, and now is the | | |
| Poughkeepsie | | time to lock in the best prices. | | Public Adjuster: An insurance adjuster |
| Colorado Springs | | | | who represents an insured on a fee |
| Cookeville | | At InsWeb, you can compare free | | basis in claims settlement. Contrast |
| Topeka | | online insurance quotes from many of | | with Independent Adjuster. |
| Thousand Oaks | | the nations leading insurance | | |
| Warren | | companies. | | Business: In Property, Liability, and |
| Cherry Hill | | | | Health lines, it usually refers to the |
| Fairfax | | Healthy people have the best | | volume of premiums. |
| Cedar Rapids | | mortality risks and thus are much | | |
| Redlands | | cheaper for companies to insure. This | | Deductible: The portion of an insured |
| Lansing | | translates into lower rates for the | | loss to be borne by the insured |
| Fort Collins | | Super Preferred customer than | | before he is entitled to recovery from |
| Baltimore | | someone with higher risk factors such | | the insurer. |
| Albuquerque | | as a heart condition, cancer or | | |
| Austin | | diabetes. Conversely, if you were | | Nonassignable: A policy that the |
| Newark | | unhealthy when you acquired your | | owner cannot assign to a third party. |
| Dallas | | policy, and your health has now | | Most policies are nonassignable |
| Acworth | | improved, it might be time to shop for | | unless approval is given by the |
| Orlando | | a new policy, as your rates are likely | | insurer. |
| Lansing | | to be lower. | | |
