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| Longwood | | People who are trying to quit | | Short-Term Policy: A policy written for |
| Buffalo | | smoking, for example, might be best | | a period of less time than is normal for |
| Carlsbad | | suited purchasing a shorter term (and | | that type of policy. |
| Kalamazoo | | then replacing it with a longer term | | |
| Glendale | | policy when they qualify for | | Provisional Rate: Tentative rates, |
| Norwalk | | non-tobacco prices). | | premiums or commissions that are |
| West Chester | | | | subject to subsequent adjustment. |
| Allentown | | At InsWeb, you can compare free | | See Commission and Premium. |
| Council Bluffs | | online insurance quotes from many of | | |
| Plano | | the nations leading insurance | | Monoline Policy: Any insurance |
| Boulder | | companies. | | coverage written as a single line |
| Sumter | | | | policy. Contrast with Multiple Line or |
| New York | | We offer quotes for auto insurance, | | Package policy. |
| Stamford | | life insurance, homeowners | | |
| Frederick | | insurance, health insurance, term life | | Mutualization: The process of |
| Independence | | insurance and more. | | converting a stock insurer to a mutual |
| Boynton Beach | | | | insurer, accomplished by having the |
| Fort Lauderdale | | Life insurance, specifically Term Life, | | insurer buy stock and retire it. |
| Springfield | | is arguably one of the best values in | | |
| Redlands | | the entire financial services arena. | | Inspection: Independent checking on |
| Spartanburg | | Where else can you go and get | | facts about an applicant, |
| Cypress | | hundreds of thousands of dollars in | | policyholder, or claimant, usually by a |
| Shreveport | | protection for literally pennies per | | commercial inspection agency. |
| Bay City | | day? Rates for Term Life insurance | | |
| Cranston | | remain at all-time lows, and now is the | | Equity: The money value of an |
| Evansville | | time to lock in the best prices. | | insurance company that is over and |
| Chandler | | | | above its liabilities. Liabilities include |
| Asheville | | Healthy people have the best | | almost all of its reserves. |
| Fort Collins | | mortality risks and thus are much | | |
| Glendale | | cheaper for companies to insure. This | | Policy Anniversary: The anniversary |
| Fremont | | translates into lower rates for the | | of the date of issue of a policy as |
| Fayetteville | | Super Preferred customer than | | shown in the policy declarations. |
| Las Cruces | | someone with higher risk factors such | | |
| Albuquerque | | as a heart condition, cancer or | | Time Limits: The limits of time within |
| Jackson | | diabetes. Conversely, if you were | | which notice of a claim and proof of a |
| Youngstown | | unhealthy when you acquired your | | loss must be submitted. |
| Glendale | | policy, and your health has now | | |
| Miami | | improved, it might be time to shop for | | |
| Milwaukee | | a new policy, as your rates are likely | | |
| Quincy | | to be lower. | | |
