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| Durham | | While some companies raise their | | Tabular Plan: A retrospective rating |
| Richmond | | prices based on your actual age, | | plan, which uses tables to furnish the |
| Las Cruces | | most companies increase the price of | | various values for the rating formula. |
| Kansas City | | their policies six months before your | | |
| Trenton | | birthday. Its a term called Age | | Policy Anniversary: The anniversary |
| Denton | | Nearest in the industry, and that | | of the date of issue of a policy as |
| Spartanburg | | half-year price increase could really | | shown in the policy declarations. |
| Glendale | | add up over a 20-year term policy. As | | |
| Alpharetta | | above, the quicker you purchase your | | First Party Insurance: Insurance which |
| Florence | | policy the better. | | applies to coverage for the insured's |
| Union | | | | own property or person. Contrast with |
| Hartford | | Life insurance, specifically Term Life, | | Third Party Insurance. |
| Allentown | | is arguably one of the best values in | | |
| Mesa | | the entire financial services arena. | | Insurance Examiner: The |
| Marietta | | Where else can you go and get | | representative of a state insurance |
| Fort Lauderdale | | hundreds of thousands of dollars in | | department assigned to participate in |
| Midland | | protection for literally pennies per | | the official audit and examination of |
| Lakewood | | day? Rates for Term Life insurance | | an insurer. |
| Jonesboro | | remain at all-time lows, and now is the | | |
| Franklin | | time to lock in the best prices. | | Shock Loss: A catastrophic loss so |
| Pittsburgh | | | | large that it has a material effect on |
| Staten Island | | Healthy people have the best | | the underwriting results of a company. |
| Evansville | | mortality risks and thus are much | | |
| Hattiesburg | | cheaper for companies to insure. This | | Short-Term Policy: A policy written for |
| Bayside | | translates into lower rates for the | | a period of less time than is normal for |
| Orange Park | | Super Preferred customer than | | that type of policy. |
| Clarksville | | someone with higher risk factors such | | |
| Boynton Beach | | as a heart condition, cancer or | | Admitted (or Allowed) Assets: Assets |
| Riverside | | diabetes. Conversely, if you were | | whose values are permitted by state |
| Jacksonville | | unhealthy when you acquired your | | law to be included in the annual |
| Cypress | | policy, and your health has now | | statement of the insurer. |
| San Diego | | improved, it might be time to shop for | | |
| Fremont | | a new policy, as your rates are likely | | Countersignature: The signature of a |
| Williamsburg | | to be lower. | | licensed agent or representative on a |
| Greensboro | | | | policy. |
