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| High Point | | People who are trying to quit | | Minimum Premium: The smallest |
| Fort Lauderdale | | smoking, for example, might be best | | amount of premium for which an |
| Springfield | | suited purchasing a shorter term (and | | insurer will issue coverage under a |
| Lowell | | then replacing it with a longer term | | given policy. |
| Pueblo | | policy when they qualify for | | |
| Aurora | | non-tobacco prices). | | Examiner: An employee assigned by |
| Sterling Heights | | | | the state insurance department to |
| Gainesville | | Everyone has different needs, and | | audit insurers' records. |
| Santa Rosa | | not one size fits all when it comes to | | |
| Schaumburg | | term life insurance. While it may make | | Business: In Property, Liability, and |
| Cookeville | | sense for people in their 30s and 40s | | Health lines, it usually refers to the |
| Manchester | | to secure a 20-year term length, a | | volume of premiums. |
| Naples | | 10-year term might be more | | |
| Lowell | | appropriate for someone nearing | | Fictitious Groups: Groups formed |
| Cypress | | retirement. | | primarily for the purpose of buying |
| Jersey City | | | | insurance. Under the law such groups |
| Jersey City | | Shopping around is the best way to | | may not be underwritten. |
| Jonesboro | | save money on your insurance. | | |
| Memphis | | | | Time Limits: The limits of time within |
| Texarkana | | The quickest and easiest way to | | which notice of a claim and proof of a |
| Grand Rapids | | shop for new insurance is by | | loss must be submitted. |
| El Cajon | | comparing rates at InsWebs online | | |
| Savannah | | marketplace. If you do it the | | Borderline Risk: An insurance |
| Ogden | | old-fashioned way (by calling or | | prospect of doubtful quality from an |
| Irvine | | visiting multiple agents or insurance | | underwriting point of view. |
| Naples | | companies) it could take up a huge | | |
| Escondido | | chunk of your time, which no one | | Producer: A term applied to an agent, |
| Harlingen | | wants or needs. By completing | | solicitor or other person who sells |
| Chicago | | InsWebs online application, you will | | insurance. |
| Cranston | | have rates to compare to your old | | |
| Sumter | | ones within minutes! | | Tickler: A reminder system used to |
| Sioux City | | | | call an individual's attention to actions |
| Abilene | | If you decide to cancel your policy | | that must be taken at a future point in |
| Beaumont | | (after acquiring new coverage) | | time. |
| Lexington | | outside of the 30-day period, you may | | |
| Eugene | | have to pay a fee or penalty. | | |
| Jackson | | However, you may still save money | | |
| Columbia | | after paying the fee if your new policy | | |
| Sarasota | | affords you significant savings. So | | |
| White Plains | | while it is best to wait until your | | |
| Davenport | | receive your renewal notice, you CAN | | |
| Newport News | | cancel your policy at any time. | | |
