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| Canton | | Individuals who have 30-year | | Shock Loss: A catastrophic loss so |
| Memphis | | mortgages might want to consider a | | large that it has a material effect on |
| Sumter | | 30-year term to ensure that the house | | the underwriting results of a company. |
| Bellevue | | is protected throughout the period of | | |
| Jersey City | | the loan. | | Claim Expense: The expense of |
| Santa Barbara | | | | adjusting a claim, such as |
| Dearborn | | People who are trying to quit | | investigation and attorneys' fees. It |
| Anderson | | smoking, for example, might be best | | does not include the cost of the claim |
| Wilmington | | suited purchasing a shorter term (and | | itself. |
| Slidell | | then replacing it with a longer term | | |
| Jackson | | policy when they qualify for | | Dual Life Stock Company: A stock |
| Denver | | non-tobacco prices). | | Life insurer issuing both participating |
| Houston | | | | and nonparticipating policy contracts. |
| Winter Haven | | We offer quotes for auto insurance, | | |
| Lorain | | life insurance, homeowners | | Gross Premium: The net premium |
| Council Bluffs | | insurance, health insurance, term life | | plus operating expenses, |
| Brooklyn | | insurance and more. | | commissions and other expenses. |
