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| Muncie | | Life insurance, specifically Term Life, | | Public Adjuster: An insurance adjuster |
| Bronx | | is arguably one of the best values in | | who represents an insured on a fee |
| Minneapolis | | the entire financial services arena. | | basis in claims settlement. Contrast |
| Irving | | Where else can you go and get | | with Independent Adjuster. |
| Sioux City | | hundreds of thousands of dollars in | | |
| Louisville | | protection for literally pennies per | | Premium: The price of insurance |
| Hattiesburg | | day? Rates for Term Life insurance | | protection for a specified risk for a |
| Jackson | | remain at all-time lows, and now is the | | specified period of time. |
| Morristown | | time to lock in the best prices. | | |
| Huntington Beach | | | | Lloyd's Broker: A person who has the |
| Frederick | | People who are trying to quit | | authority to negotiate insurance |
| Santa Rosa | | smoking, for example, might be best | | contracts with the underwriters on the |
| Dearborn | | suited purchasing a shorter term (and | | floor at Lloyd's. |
| Gainesville | | then replacing it with a longer term | | |
| Waco | | policy when they qualify for | | Accidental Bodily Injury: An injury |
| Rome | | non-tobacco prices). | | sustained accidentally. Only the result |
| Burbank | | | | need be accidental. Contrast with |
| Westbury | | Individuals who have 30-year | | Accidental Means. |
| Anaheim | | mortgages might want to consider a | | |
| Lawton | | 30-year term to ensure that the house | | Flat Cancellation: A policy which is |
| Portsmouth | | is protected throughout the period of | | cancelled upon its effective date. |
| Tucson | | the loan. | | Usually under a flat cancellation no |
| Aurora | | | | premium charge is made. |
| Anaheim | | Everyone has different needs, and | | |
| Hartford | | not one size fits all when it comes to | | Gain and Loss Exhibit: The portion of |
| Asheville | | term life insurance. While it may make | | the convention blank which |
| Fairfax | | sense for people in their 30s and 40s | | represents an analysis of gains, |
| Fairfax | | to secure a 20-year term length, a | | losses, and surplus during an |
| Ventura | | 10-year term might be more | | accounting period. |
| Englewood | | appropriate for someone nearing | | |
| Silver Spring | | retirement. | | New For Old: Replacing old |
| Yonkers | | | | damaged parts or equipment with |
| San Bernardino | | Make sure you have a new policy in | | new ones rather than repairing them. |
| Anchorage | | place before you cancel your old one | | |
| Portsmouth | | to avoid a lapse in coverage. This will | | |
| Fort Smith | | also prevent having to figure out the | | |
| Rome | | amount of any unused premium that is | | |
| Tuscaloosa | | due to you from your old insurance | | |
| Springfield | | company, or having to spar with your | | |
| Quincy | | agent about exactly when your policy | | |
| Minneapolis | | was cancelled and how much they | | |
| Longmont | | owe you. | | |
