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| Jackson | | People who are trying to quit | | Initial Premium: An amount paid at the |
| Anaheim | | smoking, for example, might be best | | inception of an insurance contract, |
| Cherry Hill | | suited purchasing a shorter term (and | | usually subject to adjustment at the |
| San Francisco | | then replacing it with a longer term | | end of the policy period. |
| Clearwater | | policy when they qualify for | | |
| Rome | | non-tobacco prices). | | Federal Deposit Insurance |
| Detroit | | | | Corporation (FDIC): An agency of the |
| Huntington | | While some companies raise their | | federal government which insures |
| Winter Park | | prices based on your actual age, | | bank deposits up to a stated |
| Portsmouth | | most companies increase the price of | | maximum. |
| St. Joseph | | their policies six months before your | | |
| Anderson | | birthday. Its a term called Age | | Insurance Examiner: The |
| Union | | Nearest in the industry, and that | | representative of a state insurance |
| Independence | | half-year price increase could really | | department assigned to participate in |
| Denver | | add up over a 20-year term policy. As | | the official audit and examination of |
| Houston | | above, the quicker you purchase your | | an insurer. |
| Turlock | | policy the better. | | |
| Yuma | | | | Partnership Entity: The partnership |
| Longview | | Life insurance, specifically Term Life, | | considered as an entity and not in |
| Columbus | | is arguably one of the best values in | | terms of its individual part-owners. |
| Lawrenceville | | the entire financial services arena. | | |
| Riverside | | Where else can you go and get | | You/Your: These words are used to |
| Austin | | hundreds of thousands of dollars in | | refer to the named insured in many of |
| Wilmington | | protection for literally pennies per | | the modernized/personalized policy |
| Columbus | | day? Rates for Term Life insurance | | forms. |
| Corona | | remain at all-time lows, and now is the | | |
| Wilmington | | time to lock in the best prices. | | Loss Frequency: The number of times |
| Council Bluffs | | | | a loss occurs over a specific period |
| Clarksville | | Make sure you have a new policy in | | of time. |
| Detroit | | place before you cancel your old one | | |
| New York | | to avoid a lapse in coverage. This will | | Agent's Qualification Law: Education, |
| Springfield | | also prevent having to figure out the | | experience, and other requirements |
| Inglewood | | amount of any unused premium that is | | imposed by the state upon persons |
| Reading | | due to you from your old insurance | | desiring to be licensed as agents. |
| Boise | | company, or having to spar with your | | |
| Joliet | | agent about exactly when your policy | | |
| Florence | | was cancelled and how much they | | |
| Belleville | | owe you. | | |
