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| York | | Life insurance, specifically Term Life, | | Approved Roof: A term used in |
| Silver Spring | | is arguably one of the best values in | | building construction. It indicates a |
| Springfield | | the entire financial services arena. | | roof made of fire-resistive materials, |
| Newburgh | | Where else can you go and get | | such as tile or asphalt shingles. |
| Green Bay | | hundreds of thousands of dollars in | | |
| Jackson | | protection for literally pennies per | | Short-Term Policy: A policy written for |
| Columbus | | day? Rates for Term Life insurance | | a period of less time than is normal for |
| Tallahassee | | remain at all-time lows, and now is the | | that type of policy. |
| Joliet | | time to lock in the best prices. | | |
| Oakland | | | | Partnership Entity: The partnership |
| Pueblo | | If you decide to cancel your policy | | considered as an entity and not in |
| Warren | | (after acquiring new coverage) | | terms of its individual part-owners. |
| Providence | | outside of the 30-day period, you may | | |
| Richmond | | have to pay a fee or penalty. | | Malicious Mischief: Similar to |
| Edison | | However, you may still save money | | vandalism. Purposely damaging the |
| Panama City | | after paying the fee if your new policy | | rights or property of another. |
| Birmingham | | affords you significant savings. So | | |
| Lake Worth | | while it is best to wait until your | | Substandard Risk: A risk not |
| Fort Lauderdale | | receive your renewal notice, you CAN | | measuring up to underwriting |
| Coral Springs | | cancel your policy at any time. | | standards. It may still be written but |
| Johnson City | | | | usually at a surcharged premium. |
| Jackson | | Shopping around is the best way to | | |
| Sacramento | | save money on your insurance. | | Authorized Insurer: An insurer |
| Jersey City | | | | authorized by the state to transact |
| Ogden | | Everyone has different needs, and | | business in that state for specific |
| Sacramento | | not one size fits all when it comes to | | types of insurance. |
| Cranston | | term life insurance. While it may make | | |
| Austin | | sense for people in their 30s and 40s | | Gross Premium: The net premium |
| Palm Harbor | | to secure a 20-year term length, a | | plus operating expenses, |
| Glendale | | 10-year term might be more | | commissions and other expenses. |
| Ann Arbor | | appropriate for someone nearing | | |
| Inglewood | | retirement. | | Insolvent Insurer: An insurer which is |
| Whittier | | | | unable to meet its financial |
| Evanston | | The quickest and easiest way to | | obligations. |
| Palm Desert | | shop for new insurance is by | | |
| Lawrenceville | | comparing rates at InsWebs online | | |
| Fort Myers | | marketplace. If you do it the | | |
| West Palm Beach | | old-fashioned way (by calling or | | |
| Longmont | | visiting multiple agents or insurance | | |
| Quincy | | companies) it could take up a huge | | |
| Arlington | | chunk of your time, which no one | | |
| Newburgh | | wants or needs. By completing | | |
| Goldsboro | | InsWebs online application, you will | | |
| Rockville | | have rates to compare to your old | | |
| Abilene | | ones within minutes! | | |
