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| Irving | | Everyone has different needs, and | | Calendar Year Experience: This |
| Inglewood | | not one size fits all when it comes to | | measures the premiums and losses |
| Fremont | | term life insurance. While it may make | | entered on accounting records during |
| Valdosta | | sense for people in their 30s and 40s | | the 12-month calendar. |
| Harrisburg | | to secure a 20-year term length, a | | |
| Amarillo | | 10-year term might be more | | Depreciation: A decrease in the value |
| Englewood | | appropriate for someone nearing | | of any type of tangible property over |
| Denton | | retirement. | | a period of time resulting from use, |
| Louisville | | | | wear and tear, or obsolescence. |
| Billings | | If you decide to cancel your policy | | |
| Palm Desert | | (after acquiring new coverage) | | Lloyd's Broker: A person who has the |
| Stockbridge | | outside of the 30-day period, you may | | authority to negotiate insurance |
| Clinton Township | | have to pay a fee or penalty. | | contracts with the underwriters on the |
| Chattanooga | | However, you may still save money | | floor at Lloyd's. |
| Lowell | | after paying the fee if your new policy | | |
| Billings | | affords you significant savings. So | | Capital Sum: The maximum lump sum |
| Columbus | | while it is best to wait until your | | payable in the event of accidental |
| Edison | | receive your renewal notice, you CAN | | death or dismemberment. |
| Lakewood | | cancel your policy at any time. | | |
| Minneapolis | | | | Countersignature: The signature of a |
| Corpus Christi | | The quickest and easiest way to | | licensed agent or representative on a |
| Flint | | shop for new insurance is by | | policy. |
| Joliet | | comparing rates at InsWebs online | | |
| Alpharetta | | marketplace. If you do it the | | Mutualization: The process of |
| Ocala | | old-fashioned way (by calling or | | converting a stock insurer to a mutual |
| Rochester | | visiting multiple agents or insurance | | insurer, accomplished by having the |
| Flushing | | companies) it could take up a huge | | insurer buy stock and retire it. |
| Walnut Creek | | chunk of your time, which no one | | |
| Scranton | | wants or needs. By completing | | Stock Option Plan: Surviving |
| Texarkana | | InsWebs online application, you will | | stockholders have the option to |
| Daytona Beach | | have rates to compare to your old | | purchase or not purchase the shares |
| Fayetteville | | ones within minutes! | | of a deceased stockholder. |
