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| Rochester | | People who are trying to quit | | Claim Expense: The expense of |
| Berkeley | | smoking, for example, might be best | | adjusting a claim, such as |
| Manchester | | suited purchasing a shorter term (and | | investigation and attorneys' fees. It |
| Pensacola | | then replacing it with a longer term | | does not include the cost of the claim |
| Metairie | | policy when they qualify for | | itself. |
| Staten Island | | non-tobacco prices). | | |
| Denver | | | | Malinger: To feign a disability for the |
| Greensboro | | Shopping around is the best way to | | purpose of continuing to collect |
| Long Island City | | save money on your insurance. | | benefits longer than actually |
| Glendale | | | | necessary. |
| Silver Spring | | Life insurance, specifically Term Life, | | |
| Lawrenceville | | is arguably one of the best values in | | Valuation Clause: A clause stating the |
| Lima | | the entire financial services arena. | | value of items for insurance |
| Pensacola | | Where else can you go and get | | purposes, making it a valued policy. |
| Downey | | hundreds of thousands of dollars in | | |
| St. Louis | | protection for literally pennies per | | First Party Insurance: Insurance which |
| Palm Desert | | day? Rates for Term Life insurance | | applies to coverage for the insured's |
| Florence | | remain at all-time lows, and now is the | | own property or person. Contrast with |
| Conroe | | time to lock in the best prices. | | Third Party Insurance. |
