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| Rochester | | Everyone has different needs, and | | Broker-Agent: One acting as an agent |
| Fullerton | | not one size fits all when it comes to | | of one or more insurers and as a |
| Lake Worth | | term life insurance. While it may make | | broker in dealing with one or more |
| Newark | | sense for people in their 30s and 40s | | other insurers. |
| Clearwater | | to secure a 20-year term length, a | | |
| Roanoke | | 10-year term might be more | | Authorized Insurer: An insurer |
| Abilene | | appropriate for someone nearing | | authorized by the state to transact |
| Sumter | | retirement. | | business in that state for specific |
| Huntington Beach | | | | types of insurance. |
| Bellevue | | Individuals who have 30-year | | |
| Scranton | | mortgages might want to consider a | | Shock Loss: A catastrophic loss so |
| Hemet | | 30-year term to ensure that the house | | large that it has a material effect on |
| Omaha | | is protected throughout the period of | | the underwriting results of a company. |
| Venice | | the loan. | | |
| Dayton | | | | Domestic Insurer (or Company): An |
| Billings | | People who are trying to quit | | insurer formed under the laws of the |
| Naples | | smoking, for example, might be best | | state in which the insurance is written. |
| Columbia | | suited purchasing a shorter term (and | | |
| Cincinnati | | then replacing it with a longer term | | Brick Veneer Construction: Refers to |
| Metairie | | policy when they qualify for | | a building where the outside walls are |
| Staten Island | | non-tobacco prices). | | constructed of wood with a facing of a |
| Columbia | | | | single layer of brick. |
| Birmingham | | While some companies raise their | | |
| Reading | | prices based on your actual age, | | Indemnity: Restoration to the victim of |
| Clarksville | | most companies increase the price of | | a loss by payment, repair, or |
| Buffalo | | their policies six months before your | | replacement. |
| New York | | birthday. Its a term called Age | | |
| Hollywood | | Nearest in the industry, and that | | Federal Deposit Insurance |
| Lexington | | half-year price increase could really | | Corporation (FDIC): An agency of the |
| Toms River | | add up over a 20-year term policy. As | | federal government which insures |
| Williamsport | | above, the quicker you purchase your | | bank deposits up to a stated |
| Littleton | | policy the better. | | maximum. |
