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| Omaha | | Individuals who have 30-year | | Premises: The particular location of |
| Sacramento | | mortgages might want to consider a | | property or a portion thereof as |
| Longmont | | 30-year term to ensure that the house | | designated in a policy. |
| Westbury | | is protected throughout the period of | | |
| Jonesboro | | the loan. | | Not Taken: Policies applied for and |
| Mobile | | | | issued but rejected by the proposed |
| Toledo | | Life insurance, specifically Term Life, | | owner and not paid for. |
| Philadelphia | | is arguably one of the best values in | | |
| Englewood | | the entire financial services arena. | | Overlapping Insurance: Coverage |
| Portsmouth | | Where else can you go and get | | from two or more policies or insurers |
| Carlsbad | | hundreds of thousands of dollars in | | which duplicates coverage of certain |
| Tucson | | protection for literally pennies per | | risks. |
| Franklin | | day? Rates for Term Life insurance | | |
| Fayetteville | | remain at all-time lows, and now is the | | Gross Premium: The net premium |
| Erie | | time to lock in the best prices. | | plus operating expenses, |
| Anchorage | | | | commissions and other expenses. |
| Costa Mesa | | While some companies raise their | | |
| Virginia Beach | | prices based on your actual age, | | Loss Frequency: The number of times |
| Little Rock | | most companies increase the price of | | a loss occurs over a specific period |
| Marietta | | their policies six months before your | | of time. |
| Longmont | | birthday. Its a term called Age | | |
| Scranton | | Nearest in the industry, and that | | Retrospective Premium: The final |
| Long Island City | | half-year price increase could really | | premium in a retrospective rating |
| Kalamazoo | | add up over a 20-year term policy. As | | plan. See Retrospective Rating. |
| Trenton | | above, the quicker you purchase your | | |
| Fremont | | policy the better. | | Divided Cover: The placing of |
| Sunnyvale | | | | insurance on a given subject or |
| Columbus | | At InsWeb, you can compare free | | object with more than one insurer. |
| Fort Wayne | | online insurance quotes from many of | | |
| Grand Rapids | | the nations leading insurance | | Building Code: This refers to |
| Honolulu | | companies. | | municipal or other governmental |
| Jackson | | | | ordinances regulating the type of |
| Daytona Beach | | People who are trying to quit | | construction of buildings within its |
| Grand Junction | | smoking, for example, might be best | | jurisdiction. |
| Mountain View | | suited purchasing a shorter term (and | | |
| Sterling Heights | | then replacing it with a longer term | | |
| Norfolk | | policy when they qualify for | | |
| Muskegon | | non-tobacco prices). | | |
