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| Jersey City | | Healthy people have the best | | Accident: An unplanned event, |
| Columbus | | mortality risks and thus are much | | unexpected and undesigned, which |
| Chattanooga | | cheaper for companies to insure. This | | occurs suddenly and at a definite |
| Winter Haven | | translates into lower rates for the | | place. |
| Jacksonville | | Super Preferred customer than | | |
| Lawrenceville | | someone with higher risk factors such | | Policywriting Agent: An agent who has |
| Glendale | | as a heart condition, cancer or | | the authority to prepare and effect an |
| Worcester | | diabetes. Conversely, if you were | | insurer's policy. |
| Charlotte | | unhealthy when you acquired your | | |
| Woodbridge | | policy, and your health has now | | Insurance Examiner: The |
| Carlsbad | | improved, it might be time to shop for | | representative of a state insurance |
| Lake Worth | | a new policy, as your rates are likely | | department assigned to participate in |
| Glendale | | to be lower. | | the official audit and examination of |
| Evansville | | | | an insurer. |
| Billings | | Everyone has different needs, and | | |
| Muncie | | not one size fits all when it comes to | | Authorized Insurer: An insurer |
| Hot Springs | | term life insurance. While it may make | | authorized by the state to transact |
| Sterling Heights | | sense for people in their 30s and 40s | | business in that state for specific |
| Dayton | | to secure a 20-year term length, a | | types of insurance. |
| Duluth | | 10-year term might be more | | |
| Nashua | | appropriate for someone nearing | | Endorsement: A written or printed form |
| Union | | retirement. | | attached to the policy which alters |
| St. Joseph | | | | provisions of the contract. |
| Jacksonville | | At InsWeb, you can compare free | | |
| Chattanooga | | online insurance quotes from many of | | Commercial Lines: This term is used |
| Pueblo | | the nations leading insurance | | to refer to insurance for businesses, |
| Nashville | | companies. | | professionals, and commercial |
| Washington | | | | establishments. |
| Chattanooga | | People who are trying to quit | | |
| San Diego | | smoking, for example, might be best | | Foreign Insurer: An insurer domiciled |
| Rockville | | suited purchasing a shorter term (and | | in a state of the United States other |
| Vancouver | | then replacing it with a longer term | | than the one in which the insured's |
| Long Beach | | policy when they qualify for | | insurance is written. |
| Mesa | | non-tobacco prices). | | |
