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| Lansing | | People who are trying to quit | | Domestic Insurer (or Company): An |
| Omaha | | smoking, for example, might be best | | insurer formed under the laws of the |
| Indianapolis | | suited purchasing a shorter term (and | | state in which the insurance is written. |
| Kansas City | | then replacing it with a longer term | | |
| Springfield | | policy when they qualify for | | Mandatory Valuation Reserve: A |
| Columbus | | non-tobacco prices). | | reserve required by a state law to |
| Spartanburg | | | | offset any declines in the valuation of |
| Glendale | | Life insurance, specifically Term Life, | | securities listed as admitted assets. |
| Dubuque | | is arguably one of the best values in | | |
| Frederick | | the entire financial services arena. | | Insurance Examiner: The |
| Lake Charles | | Where else can you go and get | | representative of a state insurance |
| Hampton | | hundreds of thousands of dollars in | | department assigned to participate in |
| Springfield | | protection for literally pennies per | | the official audit and examination of |
| Johnson City | | day? Rates for Term Life insurance | | an insurer. |
| Eugene | | remain at all-time lows, and now is the | | |
| Santa Rosa | | time to lock in the best prices. | | Overlapping Insurance: Coverage |
| Davenport | | | | from two or more policies or insurers |
| Sumter | | Make sure you have a new policy in | | which duplicates coverage of certain |
| Los Angeles | | place before you cancel your old one | | risks. |
| Norwalk | | to avoid a lapse in coverage. This will | | |
| Durham | | also prevent having to figure out the | | Valued: Relating to an agreement by |
| Muncie | | amount of any unused premium that is | | an insurer to pay a specified amount |
| Mesquite | | due to you from your old insurance | | of money to or on behalf of the |
| Augusta | | company, or having to spar with your | | insured upon occurrence of a defined |
| Ocala | | agent about exactly when your policy | | loss. |
| Erie | | was cancelled and how much they | | |
| Atlanta | | owe you. | | Criticism: A correction suggested by a |
| Westbury | | | | rating or auditing bureau to an insurer. |
| Fall River | | We offer quotes for auto insurance, | | |
| Midland | | life insurance, homeowners | | Captive Agent: One who sells |
| Lafayette | | insurance, health insurance, term life | | insurance for only one company as |
| Warren | | insurance and more. | | opposed to an agent who represents |
| Slidell | | | | several companies. |
| Escondido | | Individuals who have 30-year | | |
| Naples | | mortgages might want to consider a | | |
| Bellevue | | 30-year term to ensure that the house | | |
| Anderson | | is protected throughout the period of | | |
| Buffalo | | the loan. | | |
