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| Jersey City | | Individuals who have 30-year | | Policy Period (or Term): The period |
| Chicago | | mortgages might want to consider a | | during which the policy contract |
| Norwalk | | 30-year term to ensure that the house | | affords protection, e.g., six months or |
| Lake Charles | | is protected throughout the period of | | one or three years. |
| Palm Desert | | the loan. | | |
| Chesapeake | | | | Legislative Risk: A risk faced by |
| Bellevue | | Life insurance, specifically Term Life, | | investors whereby changes in tax |
| Yuma | | is arguably one of the best values in | | laws can result in adverse effects on |
| Cincinnati | | the entire financial services arena. | | the individual's investment results. |
| Palm Desert | | Where else can you go and get | | |
| Columbia | | hundreds of thousands of dollars in | | You/Your: These words are used to |
| West Chester | | protection for literally pennies per | | refer to the named insured in many of |
| Longwood | | day? Rates for Term Life insurance | | the modernized/personalized policy |
| Austin | | remain at all-time lows, and now is the | | forms. |
| Nashville | | time to lock in the best prices. | | |
| Waterloo | | | | Multi-Peril Policies: Policies which |
| Johnson City | | We offer quotes for auto insurance, | | cover a number of perils, such as fire, |
| Jersey City | | life insurance, homeowners | | burglary, and liability, in a single |
| Albuquerque | | insurance, health insurance, term life | | contract. |
| Springfield | | insurance and more. | | |
| Bellevue | | | | Substandard Risk: A risk not |
| Owensboro | | While some companies raise their | | measuring up to underwriting |
| Amarillo | | prices based on your actual age, | | standards. It may still be written but |
| Turlock | | most companies increase the price of | | usually at a surcharged premium. |
| Stuart | | their policies six months before your | | |
| Silver Spring | | birthday. Its a term called Age | | Approved Roof: A term used in |
| Irving | | Nearest in the industry, and that | | building construction. It indicates a |
| Fayetteville | | half-year price increase could really | | roof made of fire-resistive materials, |
| Hattiesburg | | add up over a 20-year term policy. As | | such as tile or asphalt shingles. |
| Ocala | | above, the quicker you purchase your | | |
| Charlotte | | policy the better. | | Buy-Back" Deductible: A deductible |
| Sumter | | | | which may be eliminated for an |
| Escondido | | Everyone has different needs, and | | additional premium in order to |
| White Plains | | not one size fits all when it comes to | | provide "first-dollar" coverage. |
| Louisville | | term life insurance. While it may make | | |
| Alameda | | sense for people in their 30s and 40s | | |
| Pembroke Pines | | to secure a 20-year term length, a | | |
| Cedar Rapids | | 10-year term might be more | | |
| Bloomington | | appropriate for someone nearing | | |
| Hemet | | retirement. | | |
