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| Indianapolis | | Everyone has different needs, and | | Admitted (or Allowed) Assets: Assets |
| Columbus | | not one size fits all when it comes to | | whose values are permitted by state |
| Jacksonville | | term life insurance. While it may make | | law to be included in the annual |
| Morristown | | sense for people in their 30s and 40s | | statement of the insurer. |
| Hattiesburg | | to secure a 20-year term length, a | | |
| Virginia Beach | | 10-year term might be more | | Substandard Risk: A risk not |
| Jonesboro | | appropriate for someone nearing | | measuring up to underwriting |
| Gainesville | | retirement. | | standards. It may still be written but |
| Chattanooga | | | | usually at a surcharged premium. |
| Glendale | | At InsWeb, you can compare free | | |
| Escondido | | online insurance quotes from many of | | Provisional Rate: Tentative rates, |
| Corona | | the nations leading insurance | | premiums or commissions that are |
| Killeen | | companies. | | subject to subsequent adjustment. |
| Staten Island | | | | See Commission and Premium. |
| Cleveland | | Healthy people have the best | | |
| Southfield | | mortality risks and thus are much | | Malicious Mischief: Similar to |
| Newburgh | | cheaper for companies to insure. This | | vandalism. Purposely damaging the |
| Belleville | | translates into lower rates for the | | rights or property of another. |
| Palm Desert | | Super Preferred customer than | | |
| Texarkana | | someone with higher risk factors such | | Incurred Expense: Expenses not yet |
| Jasper | | as a heart condition, cancer or | | paid. Can also include paid |
| Macon | | diabetes. Conversely, if you were | | expenses in some accounting |
| Vineland | | unhealthy when you acquired your | | systems. |
| Tallahassee | | policy, and your health has now | | |
| Metairie | | improved, it might be time to shop for | | Book Value: Refers to the value of |
| Columbia | | a new policy, as your rates are likely | | assets as shown in the official |
| Toledo | | to be lower. | | accounting records of the company. |
