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| Ogden | | Healthy people have the best | | Standard Industry Code (SIC): This is |
| Atlanta | | mortality risks and thus are much | | a coding system which assigns |
| Inglewood | | cheaper for companies to insure. This | | separate codes for different types of |
| Billings | | translates into lower rates for the | | industries. |
| Texarkana | | Super Preferred customer than | | |
| Bloomington | | someone with higher risk factors such | | Open Rating: A system whereby a |
| Louisville | | as a heart condition, cancer or | | state allows an insurer to use rates |
| Union | | diabetes. Conversely, if you were | | without prior approval. |
| Torrance | | unhealthy when you acquired your | | |
| Eugene | | policy, and your health has now | | Dual Life Stock Company: A stock |
| Oceanside | | improved, it might be time to shop for | | Life insurer issuing both participating |
| Pueblo | | a new policy, as your rates are likely | | and nonparticipating policy contracts. |
| Tulsa | | to be lower. | | |
| Chula Vista | | | | Approved: The condition which exists |
| Burbank | | At InsWeb, you can compare free | | when the person or object to be |
| Melbourne | | online insurance quotes from many of | | insured meets the underwriting |
| Athens | | the nations leading insurance | | standards of the insurer. |
| Asheville | | companies. | | |
| Dayton | | | | Fiduciary: A person holding the funds |
| Allentown | | Everyone has different needs, and | | or property of another in a position of |
| Pasadena | | not one size fits all when it comes to | | trust. An example would be the |
| Springfield | | term life insurance. While it may make | | executor of an estate. |
| Norfolk | | sense for people in their 30s and 40s | | |
| South Bend | | to secure a 20-year term length, a | | Director of Insurance: A title used in |
| Des Moines | | 10-year term might be more | | some states for the head of the |
| Longmont | | appropriate for someone nearing | | department of insurance. |
| Lake Worth | | retirement. | | |
| Kingsport | | | | Gross Line: The total limit accepted |
| Troy | | Life insurance, specifically Term Life, | | by an insurer on an individual risk, |
| Spokane | | is arguably one of the best values in | | including the amount to be reinsured. |
| Orlando | | the entire financial services arena. | | |
| Acworth | | Where else can you go and get | | Broker-Agent: One acting as an agent |
| Carlsbad | | hundreds of thousands of dollars in | | of one or more insurers and as a |
| Springfield | | protection for literally pennies per | | broker in dealing with one or more |
| Hattiesburg | | day? Rates for Term Life insurance | | other insurers. |
| Vancouver | | remain at all-time lows, and now is the | | |
| Rochester | | time to lock in the best prices. | | |
