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| Gainesville | | If you decide to cancel your policy | | FICA. Federal Insurance Contributions |
| Amarillo | | (after acquiring new coverage) | | Act: A law imposing a payroll tax to |
| Cambridge | | outside of the 30-day period, you may | | assist in funding Social Security |
| Winter Haven | | have to pay a fee or penalty. | | benefits. |
| Denver | | However, you may still save money | | |
| Marietta | | after paying the fee if your new policy | | Net Interest Earned: The average |
| Wichita | | affords you significant savings. So | | interest earned by an insurer on its |
| Gaithersburg | | while it is best to wait until your | | investments after investment expense |
| Miami | | receive your renewal notice, you CAN | | but before federal income taxes. |
| Westbury | | cancel your policy at any time. | | |
| Lorain | | | | Broker-Agent: One acting as an agent |
| Montgomery | | Life insurance, specifically Term Life, | | of one or more insurers and as a |
| Rockville | | is arguably one of the best values in | | broker in dealing with one or more |
| Costa Mesa | | the entire financial services arena. | | other insurers. |
| Slidell | | Where else can you go and get | | |
| Houston | | hundreds of thousands of dollars in | | Brick Veneer Construction: Refers to |
| Gainesville | | protection for literally pennies per | | a building where the outside walls are |
| Bloomington | | day? Rates for Term Life insurance | | constructed of wood with a facing of a |
| Alexandria | | remain at all-time lows, and now is the | | single layer of brick. |
| Peoria | | time to lock in the best prices. | | |
| Huntington Beach | | | | Deductible: The portion of an insured |
| Huntington | | Healthy people have the best | | loss to be borne by the insured |
| Mesa | | mortality risks and thus are much | | before he is entitled to recovery from |
| Denver | | cheaper for companies to insure. This | | the insurer. |
| Jersey City | | translates into lower rates for the | | |
| Brooklyn | | Super Preferred customer than | | Provisions: Statements contained in |
| Baltimore | | someone with higher risk factors such | | an insurance policy which explain the |
| Hartford | | as a heart condition, cancer or | | benefits, conditions and other |
| Columbus | | diabetes. Conversely, if you were | | features of the insurance contract. |
| Venice | | unhealthy when you acquired your | | |
| Orange Park | | policy, and your health has now | | Effective Date: The date on which the |
| Gaithersburg | | improved, it might be time to shop for | | protection of an insurance policy or |
| Bay City | | a new policy, as your rates are likely | | bond goes into effect. |
| Scottsdale | | to be lower. | | |
