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| Oakland | | Life insurance, specifically Term Life, | | Nonassignable: A policy that the |
| Silver Spring | | is arguably one of the best values in | | owner cannot assign to a third party. |
| Warren | | the entire financial services arena. | | Most policies are nonassignable |
| Elkhart | | Where else can you go and get | | unless approval is given by the |
| Metairie | | hundreds of thousands of dollars in | | insurer. |
| Lawton | | protection for literally pennies per | | |
| Decatur | | day? Rates for Term Life insurance | | Liabilities: Money owed or expected |
| Athens | | remain at all-time lows, and now is the | | to be owed. Insurance company |
| Alexandria | | time to lock in the best prices. | | financial statements, for instance, |
| North Hollywood | | | | show assets and liabilities. |
| Longview | | If you decide to cancel your policy | | |
| Lawrenceville | | (after acquiring new coverage) | | Insurance Examiner: The |
| Rockville | | outside of the 30-day period, you may | | representative of a state insurance |
| Newark | | have to pay a fee or penalty. | | department assigned to participate in |
| Newark | | However, you may still save money | | the official audit and examination of |
| Coral Springs | | after paying the fee if your new policy | | an insurer. |
| Fayetteville | | affords you significant savings. So | | |
| Whittier | | while it is best to wait until your | | Provisions: Statements contained in |
| Jersey City | | receive your renewal notice, you CAN | | an insurance policy which explain the |
| Lake Worth | | cancel your policy at any time. | | benefits, conditions and other |
| Lawton | | | | features of the insurance contract. |
| Tacoma | | While some companies raise their | | |
| Providence | | prices based on your actual age, | | Independent Contractor: One who |
| Anderson | | most companies increase the price of | | agrees to perform according to a |
| Modesto | | their policies six months before your | | contract and who is not an employee. |
| Joliet | | birthday. Its a term called Age | | |
| Huntington | | Nearest in the industry, and that | | Retrospective Premium: The final |
| Warwick | | half-year price increase could really | | premium in a retrospective rating |
| Fort Myers | | add up over a 20-year term policy. As | | plan. See Retrospective Rating. |
| Scottsdale | | above, the quicker you purchase your | | |
| Bellevue | | policy the better. | | Producer: A term applied to an agent, |
| Redlands | | | | solicitor or other person who sells |
| Lafayette | | People who are trying to quit | | insurance. |
| Fremont | | smoking, for example, might be best | | |
| Saginaw | | suited purchasing a shorter term (and | | |
| Oxnard | | then replacing it with a longer term | | |
| Columbus | | policy when they qualify for | | |
| Warren | | non-tobacco prices). | | |