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| Erie | | The best time to switch policies is | | Mandatory Valuation Reserve: A |
| Houston | | within one month of receiving your | | reserve required by a state law to |
| Pittsburgh | | policy renewal from your current | | offset any declines in the valuation of |
| New Port Richey | | insurer. You can typically cancel your | | securities listed as admitted assets. |
| Gaithersburg | | policy without any fees or penalties if | | |
| Fresno | | you act within this time period. | | Cash Flow Underwriting: The use of |
| Columbus | | | | rating and premium collection |
| Spring Hill | | At InsWeb, you can compare free | | techniques by insurance companies |
| Jonesboro | | online insurance quotes from many of | | to maximize interest earnings on |
| Lancaster | | the nations leading insurance | | premiums. |
| Corona | | companies. | | |
| Hot Springs | | | | Convention Values: Values assigned |
| Poughkeepsie | | Life insurance, specifically Term Life, | | to insurers' assets in the convention |
| Newport News | | is arguably one of the best values in | | blank. |
| Gaithersburg | | the entire financial services arena. | | |
| Hampton | | Where else can you go and get | | Basic Rate: The manual rate from |
| Santa Clara | | hundreds of thousands of dollars in | | which discounts are taken or to which |
| Lafayette | | protection for literally pennies per | | charges are added to reflect the |
| Troy | | day? Rates for Term Life insurance | | individual circumstances of a risk. |
| Portsmouth | | remain at all-time lows, and now is the | | |
| Whittier | | time to lock in the best prices. | | Criticism: A correction suggested by a |
| Portland | | | | rating or auditing bureau to an insurer. |
| Overland Park | | While some companies raise their | | |
| Charleston | | prices based on your actual age, | | Nonadmitted Insurer: An insurer not |
| Yuma | | most companies increase the price of | | licensed to do business in the |
| Oklahoma City | | their policies six months before your | | jurisdiction in question. Same as |
| Flint | | birthday. Its a term called Age | | Unauthorized Insurer and Unlicensed |
| Columbia | | Nearest in the industry, and that | | Insurer. |
| Athens | | half-year price increase could really | | |
| Wichita Falls | | add up over a 20-year term policy. As | | Not Taken: Policies applied for and |
| Winter Park | | above, the quicker you purchase your | | issued but rejected by the proposed |
| Columbus | | policy the better. | | owner and not paid for. |
