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| Corpus Christi | | Everyone has different needs, and | | Professional Insurance Agents |
| Belleville | | not one size fits all when it comes to | | Association: A trade association of |
| Chesapeake | | term life insurance. While it may make | | mutual insurance agents. |
| Jersey City | | sense for people in their 30s and 40s | | |
| Dallas | | to secure a 20-year term length, a | | American Risk and Insurance |
| South Bend | | 10-year term might be more | | Association: An association of |
| Englewood | | appropriate for someone nearing | | insurance educators and others |
| Fall River | | retirement. | | interested in insurance study and |
| Providence | | | | research. |
| Roanoke | | Healthy people have the best | | |
| Conroe | | mortality risks and thus are much | | Captive Agent: One who sells |
| Cedar Rapids | | cheaper for companies to insure. This | | insurance for only one company as |
| Chattanooga | | translates into lower rates for the | | opposed to an agent who represents |
| Fremont | | Super Preferred customer than | | several companies. |
| Hollywood | | someone with higher risk factors such | | |
| Gulfport | | as a heart condition, cancer or | | Brokerage Business: Business |
| Bakersfield | | diabetes. Conversely, if you were | | offered to an insurer by a broker. This |
| Scranton | | unhealthy when you acquired your | | is sometimes called excess or |
| Bloomington | | policy, and your health has now | | surplus business. |
| Peoria | | improved, it might be time to shop for | | |
| Boca Raton | | a new policy, as your rates are likely | | Agency: An insurance sales office |
| Augusta | | to be lower. | | which is directed by a agent, |
| Spokane | | | | manager, independent agent, or |
| Greensboro | | If you decide to cancel your policy | | company manager. |
| Vancouver | | (after acquiring new coverage) | | |
| Little Rock | | outside of the 30-day period, you may | | Underwriters Laboratories, Inc. (UL): A |
| Stockbridge | | have to pay a fee or penalty. | | testing laboratory for manufactured |
| Troy | | However, you may still save money | | items to determine their safety |
| Downey | | after paying the fee if your new policy | | propensities. |
| Orange | | affords you significant savings. So | | |
| Knoxville | | while it is best to wait until your | | Calendar Year Experience: This |
| Mesquite | | receive your renewal notice, you CAN | | measures the premiums and losses |
| Vero Beach | | cancel your policy at any time. | | entered on accounting records during |
| Lansing | | | | the 12-month calendar. |
