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| Bakersfield | | Life insurance, specifically Term Life, | | Broker-Agent: One acting as an agent |
| Edison | | is arguably one of the best values in | | of one or more insurers and as a |
| Fayetteville | | the entire financial services arena. | | broker in dealing with one or more |
| Erie | | Where else can you go and get | | other insurers. |
| Nashua | | hundreds of thousands of dollars in | | |
| Naperville | | protection for literally pennies per | | Retrospective Premium: The final |
| Atlanta | | day? Rates for Term Life insurance | | premium in a retrospective rating |
| Fredericksburg | | remain at all-time lows, and now is the | | plan. See Retrospective Rating. |
| Glendale | | time to lock in the best prices. | | |
| Des Moines | | | | Fictitious Groups: Groups formed |
| Las Vegas | | Individuals who have 30-year | | primarily for the purpose of buying |
| Oxnard | | mortgages might want to consider a | | insurance. Under the law such groups |
| Sunnyvale | | 30-year term to ensure that the house | | may not be underwritten. |
| Silver Spring | | is protected throughout the period of | | |
| Toms River | | the loan. | | Fiduciary: A person holding the funds |
| Omaha | | | | or property of another in a position of |
| Little Rock | | Healthy people have the best | | trust. An example would be the |
| Modesto | | mortality risks and thus are much | | executor of an estate. |
| Portland | | cheaper for companies to insure. This | | |
| Longview | | translates into lower rates for the | | Policy Anniversary: The anniversary |
| Brooklyn | | Super Preferred customer than | | of the date of issue of a policy as |
| Tempe | | someone with higher risk factors such | | shown in the policy declarations. |
| Conroe | | as a heart condition, cancer or | | |
| Goldsboro | | diabetes. Conversely, if you were | | Policy Period (or Term): The period |
| Alpharetta | | unhealthy when you acquired your | | during which the policy contract |
| Abilene | | policy, and your health has now | | affords protection, e.g., six months or |
| Lincoln | | improved, it might be time to shop for | | one or three years. |
| St. Paul | | a new policy, as your rates are likely | | |
| San Diego | | to be lower. | | Valued: Relating to an agreement by |
| Alpharetta | | | | an insurer to pay a specified amount |
| Scottsdale | | Shopping around is the best way to | | of money to or on behalf of the |
| Minneapolis | | save money on your insurance. | | insured upon occurrence of a defined |
| Evanston | | | | loss. |
| West Chester | | Make sure you have a new policy in | | |
| Escondido | | place before you cancel your old one | | |
| Jonesboro | | to avoid a lapse in coverage. This will | | |
| Albuquerque | | also prevent having to figure out the | | |
| Rockville | | amount of any unused premium that is | | |
| Oklahoma City | | due to you from your old insurance | | |
| Chicago | | company, or having to spar with your | | |
| Boston | | agent about exactly when your policy | | |
| Amarillo | | was cancelled and how much they | | |
| Walnut Creek | | owe you. | | |
