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| Anaheim | | At InsWeb, you can compare free | | Mandatory Valuation Reserve: A |
| Inglewood | | online insurance quotes from many of | | reserve required by a state law to |
| Huntsville | | the nations leading insurance | | offset any declines in the valuation of |
| Chicago | | companies. | | securities listed as admitted assets. |
| Salem | | | | |
| Corona | | Make sure you have a new policy in | | Shock Loss: A catastrophic loss so |
| Jacksonville | | place before you cancel your old one | | large that it has a material effect on |
| New Port Richey | | to avoid a lapse in coverage. This will | | the underwriting results of a company. |
| Houma | | also prevent having to figure out the | | |
| Macon | | amount of any unused premium that is | | Underwriters Laboratories, Inc. (UL): A |
| Bayside | | due to you from your old insurance | | testing laboratory for manufactured |
| Independence | | company, or having to spar with your | | items to determine their safety |
| Muncie | | agent about exactly when your policy | | propensities. |
| Durham | | was cancelled and how much they | | |
| Inglewood | | owe you. | | Partnership: A business enterprise |
| Alexandria | | | | owned and operated by two or more |
| Baltimore | | Individuals who have 30-year | | persons for the purpose of generating |
| Bethlehem | | mortgages might want to consider a | | business income and profits. |
| San Diego | | 30-year term to ensure that the house | | |
| White Plains | | is protected throughout the period of | | Fictitious Groups: Groups formed |
| Houston | | the loan. | | primarily for the purpose of buying |
| Louisville | | | | insurance. Under the law such groups |
| Beaumont | | Everyone has different needs, and | | may not be underwritten. |
| San Bernardino | | not one size fits all when it comes to | | |
| Sioux City | | term life insurance. While it may make | | Exclusions: Specific situations, |
| Albany | | sense for people in their 30s and 40s | | conditions, or circumstances that are |
| Las Vegas | | to secure a 20-year term length, a | | listed in the contract as being not |
| Overland Park | | 10-year term might be more | | covered. |
| Gainesville | | appropriate for someone nearing | | |
| Knoxville | | retirement. | | Provisions: Statements contained in |
| Dothan | | | | an insurance policy which explain the |
| Henderson | | Healthy people have the best | | benefits, conditions and other |
| Kingsport | | mortality risks and thus are much | | features of the insurance contract. |
| Huntsville | | cheaper for companies to insure. This | | |
| Canton | | translates into lower rates for the | | |
| Palm Desert | | Super Preferred customer than | | |
| Naples | | someone with higher risk factors such | | |
| Fayetteville | | as a heart condition, cancer or | | |
| New York | | diabetes. Conversely, if you were | | |
| Sumter | | unhealthy when you acquired your | | |
| Providence | | policy, and your health has now | | |
| Springfield | | improved, it might be time to shop for | | |
| Columbia | | a new policy, as your rates are likely | | |
| Fort Collins | | to be lower. | | |
