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| Phoenix | | People who are trying to quit | | Loss Frequency: The number of times |
| Columbia | | smoking, for example, might be best | | a loss occurs over a specific period |
| Long Island City | | suited purchasing a shorter term (and | | of time. |
| Eugene | | then replacing it with a longer term | | |
| Waterloo | | policy when they qualify for | | Malinger: To feign a disability for the |
| Cranston | | non-tobacco prices). | | purpose of continuing to collect |
| Mesquite | | | | benefits longer than actually |
| Memphis | | The quickest and easiest way to | | necessary. |
| Tacoma | | shop for new insurance is by | | |
| Melbourne | | comparing rates at InsWebs online | | Society of Insurance Research: An |
| Athens | | marketplace. If you do it the | | organization which encourages |
| Ann Arbor | | old-fashioned way (by calling or | | insurance research and promotes the |
| Little Rock | | visiting multiple agents or insurance | | exchange of ideas and methods of |
| Redlands | | companies) it could take up a huge | | research. |
| Edison | | chunk of your time, which no one | | |
| Quincy | | wants or needs. By completing | | Other Insurance: The existence of |
| Pasadena | | InsWebs online application, you will | | other contracts covering the same |
| Bellevue | | have rates to compare to your old | | interest and perils. |
| Johnson City | | ones within minutes! | | |
| Tyler | | | | Countersignature: The signature of a |
| Warwick | | Why not take advantage of current | | licensed agent or representative on a |
| Overland Park | | low prices? Many auto insurance | | policy. |
| Atlanta | | consumers are becoming educated | | |
| Vineland | | on other companies, plans, and rates | | Absolute Assignment: Assignment by |
| Plano | | that are available to them; ones that | | a policy owner of all control of and |
| Sacramento | | could afford them significant savings | | rights in the policy to a third party. |
| Toledo | | on their auto insurance. | | |
| Allentown | | | | Mandatory Valuation Reserve: A |
| Palm Harbor | | Everyone has different needs, and | | reserve required by a state law to |
| Las Vegas | | not one size fits all when it comes to | | offset any declines in the valuation of |
| Manchester | | term life insurance. While it may make | | securities listed as admitted assets. |
| New Orleans | | sense for people in their 30s and 40s | | |
| Orange | | to secure a 20-year term length, a | | Liquidity: The ability of an insurer to |
| Pembroke Pines | | 10-year term might be more | | convert its assets into cash to pay |
| Shreveport | | appropriate for someone nearing | | claims if necessary. |
| Whittier | | retirement. | | |
