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| Manchester | | Individuals who have 30-year | | Flat Cancellation: A policy which is |
| Kansas City | | mortgages might want to consider a | | cancelled upon its effective date. |
| Irving | | 30-year term to ensure that the house | | Usually under a flat cancellation no |
| Rome | | is protected throughout the period of | | premium charge is made. |
| Houma | | the loan. | | |
| Melbourne | | | | Amendment: A formal document |
| Turlock | | Life insurance, specifically Term Life, | | which corrects or revises an |
| Warwick | | is arguably one of the best values in | | insurance master policy. |
| New Port Richey | | the entire financial services arena. | | |
| Bellevue | | Where else can you go and get | | Broker of Record: A broker who has |
| Littleton | | hundreds of thousands of dollars in | | been designated to handle certain |
| Vineland | | protection for literally pennies per | | insurance contracts for the |
| Waterloo | | day? Rates for Term Life insurance | | policyholder. |
| Midland | | remain at all-time lows, and now is the | | |
| Newark | | time to lock in the best prices. | | Gross Line: The total limit accepted |
| Owensboro | | | | by an insurer on an individual risk, |
| Nashua | | Healthy people have the best | | including the amount to be reinsured. |
| Kalamazoo | | mortality risks and thus are much | | |
| Memphis | | cheaper for companies to insure. This | | Retrospective Premium: The final |
| Memphis | | translates into lower rates for the | | premium in a retrospective rating |
| Allentown | | Super Preferred customer than | | plan. See Retrospective Rating. |
| Cincinnati | | someone with higher risk factors such | | |
| Racine | | as a heart condition, cancer or | | Will Ride: Coverage that remains in |
| Philadelphia | | diabetes. Conversely, if you were | | effect regardless of the geographical |
| Garland | | unhealthy when you acquired your | | location in which a loss occurs. |
| Tyler | | policy, and your health has now | | |
| Boynton Beach | | improved, it might be time to shop for | | Divided Cover: The placing of |
| Springfield | | a new policy, as your rates are likely | | insurance on a given subject or |
| Ocala | | to be lower. | | object with more than one insurer. |
