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| Modesto | | Individuals who have 30-year | | Admitted (or Allowed) Assets: Assets |
| Santa Rosa | | mortgages might want to consider a | | whose values are permitted by state |
| Duluth | | 30-year term to ensure that the house | | law to be included in the annual |
| Jersey City | | is protected throughout the period of | | statement of the insurer. |
| Chandler | | the loan. | | |
| Hemet | | | | FICA. Federal Insurance Contributions |
| Pensacola | | While some companies raise their | | Act: A law imposing a payroll tax to |
| Richmond | | prices based on your actual age, | | assist in funding Social Security |
| Greenville | | most companies increase the price of | | benefits. |
| El Cajon | | their policies six months before your | | |
| Fort Myers | | birthday. Its a term called Age | | Agency Company: An insurance |
| Memphis | | Nearest in the industry, and that | | company that produces business |
| Springfield | | half-year price increase could really | | through an agency network. Contrast |
| Denver | | add up over a 20-year term policy. As | | with Direct Writer. |
| Lafayette | | above, the quicker you purchase your | | |
| Charlotte | | policy the better. | | Multi-Peril Policies: Policies which |
| Mesquite | | | | cover a number of perils, such as fire, |
| Hartford | | People who are trying to quit | | burglary, and liability, in a single |
| Huntsville | | smoking, for example, might be best | | contract. |
| Scottsdale | | suited purchasing a shorter term (and | | |
| Lima | | then replacing it with a longer term | | Tariff Rate: A rate established by a |
| Fredericksburg | | policy when they qualify for | | rating organization, which comes from |
| Longview | | non-tobacco prices). | | the tables, schedules and rules found |
| Grand Rapids | | | | in the tariff of rates. |
| Davenport | | Life insurance, specifically Term Life, | | |
| Glendale | | is arguably one of the best values in | | Brokerage Department: A department |
| Portland | | the entire financial services arena. | | of an insurer whose purpose is to |
| San Jose | | Where else can you go and get | | deal with brokers in the placing of |
| New Port Richey | | hundreds of thousands of dollars in | | insurance. |
| Santa Barbara | | protection for literally pennies per | | |
| Reno | | day? Rates for Term Life insurance | | Renewal: The reestablishment of the |
| Chattanooga | | remain at all-time lows, and now is the | | in-force status of a policy, the term of |
| Jersey City | | time to lock in the best prices. | | which has expired or will expire |
| Costa Mesa | | | | unless it is renewed. |
