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| White Plains | | Healthy people have the best | | Submitted Business: Applications for |
| Fort Lauderdale | | mortality risks and thus are much | | insurance submitted to an insurer but |
| Saginaw | | cheaper for companies to insure. This | | not yet acted upon by it. |
| Nashville | | translates into lower rates for the | | |
| Berkeley | | Super Preferred customer than | | First Party Insurance: Insurance which |
| Bay City | | someone with higher risk factors such | | applies to coverage for the insured's |
| Louisville | | as a heart condition, cancer or | | own property or person. Contrast with |
| Lincoln | | diabetes. Conversely, if you were | | Third Party Insurance. |
| Manchester | | unhealthy when you acquired your | | |
| Harlingen | | policy, and your health has now | | Dual Life Stock Company: A stock |
| Jacksonville | | improved, it might be time to shop for | | Life insurer issuing both participating |
| Orange Park | | a new policy, as your rates are likely | | and nonparticipating policy contracts. |
| Hickory | | to be lower. | | |
| Virginia Beach | | | | Liabilities: Money owed or expected |
| Waterloo | | While some companies raise their | | to be owed. Insurance company |
| Dayton | | prices based on your actual age, | | financial statements, for instance, |
| Riverside | | most companies increase the price of | | show assets and liabilities. |
| Lima | | their policies six months before your | | |
| Rockville | | birthday. Its a term called Age | | Brick Veneer Construction: Refers to |
| Bay City | | Nearest in the industry, and that | | a building where the outside walls are |
| Sarasota | | half-year price increase could really | | constructed of wood with a facing of a |
| Cypress | | add up over a 20-year term policy. As | | single layer of brick. |
| Schaumburg | | above, the quicker you purchase your | | |
| Chesapeake | | policy the better. | | Accidental Bodily Injury: An injury |
| Redlands | | | | sustained accidentally. Only the result |
| Naples | | We offer quotes for auto insurance, | | need be accidental. Contrast with |
| Sarasota | | life insurance, homeowners | | Accidental Means. |
| West Chester | | insurance, health insurance, term life | | |
| Columbia | | insurance and more. | | Criticism: A correction suggested by a |
| Canton | | | | rating or auditing bureau to an insurer. |
| Newport News | | Everyone has different needs, and | | |
| Fayetteville | | not one size fits all when it comes to | | Brokerage Business: Business |
| Costa Mesa | | term life insurance. While it may make | | offered to an insurer by a broker. This |
| Huntsville | | sense for people in their 30s and 40s | | is sometimes called excess or |
| Westbury | | to secure a 20-year term length, a | | surplus business. |
| Lima | | 10-year term might be more | | |
| Orange | | appropriate for someone nearing | | |
| Downey | | retirement. | | |
