| | | | |
|
| Lubbock | | Everyone has different needs, and | | Broker of Record: A broker who has |
| Cape Coral | | not one size fits all when it comes to | | been designated to handle certain |
| Berkeley | | term life insurance. While it may make | | insurance contracts for the |
| Columbus | | sense for people in their 30s and 40s | | policyholder. |
| St. Joseph | | to secure a 20-year term length, a | | |
| Manchester | | 10-year term might be more | | Tariff Rate: A rate established by a |
| Jersey City | | appropriate for someone nearing | | rating organization, which comes from |
| Tulsa | | retirement. | | the tables, schedules and rules found |
| Texarkana | | | | in the tariff of rates. |
| Tempe | | At InsWeb, you can compare free | | |
| Troy | | online insurance quotes from many of | | Provisions: Statements contained in |
| Acworth | | the nations leading insurance | | an insurance policy which explain the |
| Corpus Christi | | companies. | | benefits, conditions and other |
| Bakersfield | | | | features of the insurance contract. |
| Detroit | | Individuals who have 30-year | | |
| Raleigh | | mortgages might want to consider a | | Time Limits: The limits of time within |
| Panama City | | 30-year term to ensure that the house | | which notice of a claim and proof of a |
| Downey | | is protected throughout the period of | | loss must be submitted. |
| Fremont | | the loan. | | |
| Oceanside | | | | Single Limit: Any insurance coverage |
| Spring Hill | | If you decide to cancel your policy | | which is expressed as a single |
| Zanesville | | (after acquiring new coverage) | | amount of insurance, or a single limit |
| Huntington Beach | | outside of the 30-day period, you may | | of liability. Contrast with Split Limit. |
| Anderson | | have to pay a fee or penalty. | | |
| Irving | | However, you may still save money | | Dual Life Stock Company: A stock |
| Gaithersburg | | after paying the fee if your new policy | | Life insurer issuing both participating |
| Salem | | affords you significant savings. So | | and nonparticipating policy contracts. |
| Spartanburg | | while it is best to wait until your | | |
| Des Moines | | receive your renewal notice, you CAN | | Loss Frequency: The number of times |
| Flint | | cancel your policy at any time. | | a loss occurs over a specific period |
| Littleton | | | | of time. |
| Hemet | | Healthy people have the best | | |
| Springfield | | mortality risks and thus are much | | Notice of Cancellation: Written notice |
| Dubuque | | cheaper for companies to insure. This | | by an insurer of intent to cancel |
| Lawton | | translates into lower rates for the | | insurance, or written notice by an |
| Mansfield | | Super Preferred customer than | | insured requesting cancellation. |
| Warwick | | someone with higher risk factors such | | |
| Des Moines | | as a heart condition, cancer or | | |
| Turlock | | diabetes. Conversely, if you were | | |
| Sumter | | unhealthy when you acquired your | | |
| Alexandria | | policy, and your health has now | | |
| Longwood | | improved, it might be time to shop for | | |
| Florissant | | a new policy, as your rates are likely | | |
| Oklahoma City | | to be lower. | | |
