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| Orange | | Healthy people have the best | | Independent Contractor: One who |
| Carlsbad | | mortality risks and thus are much | | agrees to perform according to a |
| Wilmington | | cheaper for companies to insure. This | | contract and who is not an employee. |
| Kansas City | | translates into lower rates for the | | |
| White Plains | | Super Preferred customer than | | Nonadmitted Insurer: An insurer not |
| Westbury | | someone with higher risk factors such | | licensed to do business in the |
| Frederick | | as a heart condition, cancer or | | jurisdiction in question. Same as |
| West Palm Beach | | diabetes. Conversely, if you were | | Unauthorized Insurer and Unlicensed |
| Sarasota | | unhealthy when you acquired your | | Insurer. |
| Belleville | | policy, and your health has now | | |
| Louisville | | improved, it might be time to shop for | | Fiduciary: A person holding the funds |
| Lafayette | | a new policy, as your rates are likely | | or property of another in a position of |
| Charlotte | | to be lower. | | trust. An example would be the |
| Huntington | | | | executor of an estate. |
| Woodbridge | | The quickest and easiest way to | | |
| Independence | | shop for new insurance is by | | Gross Premium: The net premium |
| Milwaukee | | comparing rates at InsWebs online | | plus operating expenses, |
| West Palm Beach | | marketplace. If you do it the | | commissions and other expenses. |
| Riverside | | old-fashioned way (by calling or | | |
| Acworth | | visiting multiple agents or insurance | | Valued: Relating to an agreement by |
| Texarkana | | companies) it could take up a huge | | an insurer to pay a specified amount |
| Killeen | | chunk of your time, which no one | | of money to or on behalf of the |
| Bay City | | wants or needs. By completing | | insured upon occurrence of a defined |
| Sunnyvale | | InsWebs online application, you will | | loss. |
| Albany | | have rates to compare to your old | | |
| Hartford | | ones within minutes! | | Sole Proprietorship: A business |
| Newburgh | | | | enterprise owned by one person who |
| Birmingham | | Life insurance, specifically Term Life, | | is its manager and employee. |
| Yuma | | is arguably one of the best values in | | |
| Acworth | | the entire financial services arena. | | Liquidity: The ability of an insurer to |
| Modesto | | Where else can you go and get | | convert its assets into cash to pay |
| Chesapeake | | hundreds of thousands of dollars in | | claims if necessary. |
| Saginaw | | protection for literally pennies per | | |
| Plano | | day? Rates for Term Life insurance | | Substandard Risk: A risk not |
| Waterloo | | remain at all-time lows, and now is the | | measuring up to underwriting |
| Midland | | time to lock in the best prices. | | standards. It may still be written but |
| North Hollywood | | | | usually at a surcharged premium. |
