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| Berkeley | | Healthy people have the best | | Policywriting Agent: An agent who has |
| Bellevue | | mortality risks and thus are much | | the authority to prepare and effect an |
| Evanston | | cheaper for companies to insure. This | | insurer's policy. |
| Denver | | translates into lower rates for the | | |
| Irving | | Super Preferred customer than | | Time Limits: The limits of time within |
| Nashua | | someone with higher risk factors such | | which notice of a claim and proof of a |
| Longmont | | as a heart condition, cancer or | | loss must be submitted. |
| Arlington | | diabetes. Conversely, if you were | | |
| El Paso | | unhealthy when you acquired your | | Fiduciary: A person holding the funds |
| Cookeville | | policy, and your health has now | | or property of another in a position of |
| Bethlehem | | improved, it might be time to shop for | | trust. An example would be the |
| Independence | | a new policy, as your rates are likely | | executor of an estate. |
| Midland | | to be lower. | | |
| Owensboro | | | | Convention Values: Values assigned |
| Corona | | While some companies raise their | | to insurers' assets in the convention |
| Denton | | prices based on your actual age, | | blank. |
| Alameda | | most companies increase the price of | | |
| Longmont | | their policies six months before your | | Malinger: To feign a disability for the |
| Phoenix | | birthday. Its a term called Age | | purpose of continuing to collect |
| Bay City | | Nearest in the industry, and that | | benefits longer than actually |
| Durham | | half-year price increase could really | | necessary. |
| Johnstown | | add up over a 20-year term policy. As | | |
| Tucson | | above, the quicker you purchase your | | Stock Option Plan: Surviving |
| Cleveland | | policy the better. | | stockholders have the option to |
| Savannah | | | | purchase or not purchase the shares |
| Atlanta | | Individuals who have 30-year | | of a deceased stockholder. |
| Albany | | mortgages might want to consider a | | |
| Chattanooga | | 30-year term to ensure that the house | | Premises: The particular location of |
| Anchorage | | is protected throughout the period of | | property or a portion thereof as |
| Jackson | | the loan. | | designated in a policy. |