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| Florissant | | People who are trying to quit | | Time Limits: The limits of time within |
| Williamsburg | | smoking, for example, might be best | | which notice of a claim and proof of a |
| Wilmington | | suited purchasing a shorter term (and | | loss must be submitted. |
| Springfield | | then replacing it with a longer term | | |
| Coral Springs | | policy when they qualify for | | Exclusion: A contractual provision that |
| Williamsport | | non-tobacco prices). | | denies coverage for certain perils, |
| Cedar Rapids | | | | persons, property, or locations. |
| Syracuse | | Individuals who have 30-year | | |
| Memphis | | mortgages might want to consider a | | Claim Expense: The expense of |
| Evansville | | 30-year term to ensure that the house | | adjusting a claim, such as |
| Toms River | | is protected throughout the period of | | investigation and attorneys' fees. It |
| Schaumburg | | the loan. | | does not include the cost of the claim |
| Orange Park | | | | itself. |
| St. Louis | | While some companies raise their | | |
| Bradenton | | prices based on your actual age, | | We/Us/Our: These words are used to |
| Lakeland | | most companies increase the price of | | refer to the insurer in many of the |
| Troy | | their policies six months before your | | modernized/personalized policy |
| Grand Prairie | | birthday. Its a term called Age | | forms recently introduced. |
| Youngstown | | Nearest in the industry, and that | | |
| Zanesville | | half-year price increase could really | | Fictitious Groups: Groups formed |
| Huntington Beach | | add up over a 20-year term policy. As | | primarily for the purpose of buying |
| Duluth | | above, the quicker you purchase your | | insurance. Under the law such groups |
| Delray Beach | | policy the better. | | may not be underwritten. |
