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| Eugene | | Everyone has different needs, and | | Retrospective Premium: The final |
| Long Island City | | not one size fits all when it comes to | | premium in a retrospective rating |
| Davenport | | term life insurance. While it may make | | plan. See Retrospective Rating. |
| Indianapolis | | sense for people in their 30s and 40s | | |
| Arlington | | to secure a 20-year term length, a | | Admitted Company: An insurance |
| Westbury | | 10-year term might be more | | company authorized and licensed to |
| Abilene | | appropriate for someone nearing | | do business in a given state. |
| Fort Lauderdale | | retirement. | | |
| Nashville | | | | Premium: The price of insurance |
| Mobile | | While some companies raise their | | protection for a specified risk for a |
| Denton | | prices based on your actual age, | | specified period of time. |
| Fort Collins | | most companies increase the price of | | |
| Modesto | | their policies six months before your | | Preferred Risk: Any risk considered |
| Tampa | | birthday. Its a term called Age | | to be better than the standard risk on |
| Turlock | | Nearest in the industry, and that | | which the premium rate was |
| Lawton | | half-year price increase could really | | calculated. |
| Sterling Heights | | add up over a 20-year term policy. As | | |
| Grand Junction | | above, the quicker you purchase your | | Buy-Back" Deductible: A deductible |
| San Diego | | policy the better. | | which may be eliminated for an |
| El Paso | | | | additional premium in order to |
| Jasper | | Shopping around is the best way to | | provide "first-dollar" coverage. |
| Racine | | save money on your insurance. | | |
| Florissant | | | | Tickler: A reminder system used to |
| Bellevue | | Individuals who have 30-year | | call an individual's attention to actions |
| Lancaster | | mortgages might want to consider a | | that must be taken at a future point in |
| West Chester | | 30-year term to ensure that the house | | time. |
| Delray Beach | | is protected throughout the period of | | |
| Lancaster | | the loan. | | Dual Life Stock Company: A stock |
| Racine | | | | Life insurer issuing both participating |
| Pembroke Pines | | If you decide to cancel your policy | | and nonparticipating policy contracts. |
| Richmond | | (after acquiring new coverage) | | |
| Naperville | | outside of the 30-day period, you may | | Approved: The condition which exists |
| Shreveport | | have to pay a fee or penalty. | | when the person or object to be |
| Tallahassee | | However, you may still save money | | insured meets the underwriting |
| Norwalk | | after paying the fee if your new policy | | standards of the insurer. |
| Oxnard | | affords you significant savings. So | | |
| Rockford | | while it is best to wait until your | | |
| Glendale | | receive your renewal notice, you CAN | | |
| Oakland | | cancel your policy at any time. | | |
