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| Lafayette | | Life insurance, specifically Term Life, | | Other Insurance: The existence of |
| Denver | | is arguably one of the best values in | | other contracts covering the same |
| Cookeville | | the entire financial services arena. | | interest and perils. |
| Greeley | | Where else can you go and get | | |
| Duluth | | hundreds of thousands of dollars in | | Claim: A demand made by the |
| Glendale | | protection for literally pennies per | | insured, or the insured's beneficiary, |
| Sterling Heights | | day? Rates for Term Life insurance | | for payment of the benefits provided |
| Carlsbad | | remain at all-time lows, and now is the | | by the contract. |
| Lawton | | time to lock in the best prices. | | |
| Norfolk | | | | Insolvent Insurer: An insurer which is |
| Madison | | Individuals who have 30-year | | unable to meet its financial |
| Lake Charles | | mortgages might want to consider a | | obligations. |
| Charleston | | 30-year term to ensure that the house | | |
| Cincinnati | | is protected throughout the period of | | Standard Industry Code (SIC): This is |
| Huntsville | | the loan. | | a coding system which assigns |
| Rapid City | | | | separate codes for different types of |
| San Diego | | Healthy people have the best | | industries. |
| Orange | | mortality risks and thus are much | | |
| Mesquite | | cheaper for companies to insure. This | | Premium: The price of insurance |
| Sacramento | | translates into lower rates for the | | protection for a specified risk for a |
| Tucson | | Super Preferred customer than | | specified period of time. |
| Erie | | someone with higher risk factors such | | |
| San Diego | | as a heart condition, cancer or | | Exclusions: Specific situations, |
| Hattiesburg | | diabetes. Conversely, if you were | | conditions, or circumstances that are |
| Sumter | | unhealthy when you acquired your | | listed in the contract as being not |
| Edison | | policy, and your health has now | | covered. |
| Fayetteville | | improved, it might be time to shop for | | |
| Irving | | a new policy, as your rates are likely | | Expense Allowance: A compensation |
| Cedar Rapids | | to be lower. | | paid to an insurance agent in excess |
| Peoria | | | | of prescribed commissions. |
| Erie | | People who are trying to quit | | |
| Raleigh | | smoking, for example, might be best | | Retrospective Premium: The final |
| Charlotte | | suited purchasing a shorter term (and | | premium in a retrospective rating |
| Santa Rosa | | then replacing it with a longer term | | plan. See Retrospective Rating. |
| Lawton | | policy when they qualify for | | |
| Newport News | | non-tobacco prices). | | |
