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| Orange Park | | Life insurance, specifically Term Life, | | Paid-In Surplus: Surplus paid in by |
| Dallas | | is arguably one of the best values in | | stockholders, as contrasted with |
| Sumter | | the entire financial services arena. | | surplus earned through the |
| Arlington | | Where else can you go and get | | operations of a business. |
| Colorado Springs | | hundreds of thousands of dollars in | | |
| Cherry Hill | | protection for literally pennies per | | Operating Expense: The expense of |
| Elkhart | | day? Rates for Term Life insurance | | an insurer other than commissions |
| Warwick | | remain at all-time lows, and now is the | | and taxes. Called " and Insurance |
| San Antonio | | time to lock in the best prices. | | Expense" in the convention statement |
| Tempe | | | | blank. |
| Baltimore | | At InsWeb, you can compare free | | |
| Escondido | | online insurance quotes from many of | | Substandard Risk: A risk not |
| Erie | | the nations leading insurance | | measuring up to underwriting |
| Tulsa | | companies. | | standards. It may still be written but |
| Chandler | | | | usually at a surcharged premium. |
| Chula Vista | | Everyone has different needs, and | | |
| Venice | | not one size fits all when it comes to | | Adjustment Bureau: A firm organized |
| Grand Junction | | term life insurance. While it may make | | to provide adjustment services to |
| Santa Clara | | sense for people in their 30s and 40s | | insurers not wishing to create their |
| Jackson | | to secure a 20-year term length, a | | own claims division. |
| Fayetteville | | 10-year term might be more | | |
| Muskegon | | appropriate for someone nearing | | Underinsurance: A condition in which |
| Washington | | retirement. | | not enough insurance is carried to |
| Rochester | | | | cover the insurable value. |
| Long Island City | | The best time to switch policies is | | |
| Macon | | within one month of receiving your | | Federal Deposit Insurance |
| Chesapeake | | policy renewal from your current | | Corporation (FDIC): An agency of the |
| Columbus | | insurer. You can typically cancel your | | federal government which insures |
| Alameda | | policy without any fees or penalties if | | bank deposits up to a stated |
| New Orleans | | you act within this time period. | | maximum. |
