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| Gainesville | | Everyone has different needs, and | | Independent Contractor: One who |
| Gaithersburg | | not one size fits all when it comes to | | agrees to perform according to a |
| Vero Beach | | term life insurance. While it may make | | contract and who is not an employee. |
| Newport News | | sense for people in their 30s and 40s | | |
| Columbia | | to secure a 20-year term length, a | | Indemnity: Restoration to the victim of |
| North Hollywood | | 10-year term might be more | | a loss by payment, repair, or |
| Walnut Creek | | appropriate for someone nearing | | replacement. |
| Joliet | | retirement. | | |
| Jasper | | | | Net Retention: The amount of |
| Evanston | | Healthy people have the best | | insurance that a ceding company |
| Clarksville | | mortality risks and thus are much | | keeps for its own account and does |
| Peoria | | cheaper for companies to insure. This | | not reinsure. |
| Chandler | | translates into lower rates for the | | |
| Akron | | Super Preferred customer than | | Society of Insurance Research: An |
| Palo Alto | | someone with higher risk factors such | | organization which encourages |
| Springfield | | as a heart condition, cancer or | | insurance research and promotes the |
| Sioux Falls | | diabetes. Conversely, if you were | | exchange of ideas and methods of |
| Sacramento | | unhealthy when you acquired your | | research. |
| Boca Raton | | policy, and your health has now | | |
| Rochester | | improved, it might be time to shop for | | Burning Ratio: The ratio of losses |
| Norwalk | | a new policy, as your rates are likely | | suffered to the amount of insurance in |
| Oceanside | | to be lower. | | effect. |
