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| Greenville | | Life insurance, specifically Term Life, | | Loss Frequency: The number of times |
| Santa Barbara | | is arguably one of the best values in | | a loss occurs over a specific period |
| Grand Prairie | | the entire financial services arena. | | of time. |
| Harlingen | | Where else can you go and get | | |
| Kansas City | | hundreds of thousands of dollars in | | Initial Premium: An amount paid at the |
| Southfield | | protection for literally pennies per | | inception of an insurance contract, |
| New Orleans | | day? Rates for Term Life insurance | | usually subject to adjustment at the |
| Fairfax | | remain at all-time lows, and now is the | | end of the policy period. |
| Fort Worth | | time to lock in the best prices. | | |
| Long Island City | | | | Agent's Qualification Law: Education, |
| Schaumburg | | While some companies raise their | | experience, and other requirements |
| Albany | | prices based on your actual age, | | imposed by the state upon persons |
| Daytona Beach | | most companies increase the price of | | desiring to be licensed as agents. |
| Buffalo | | their policies six months before your | | |
| Santa Clara | | birthday. Its a term called Age | | Dual Life Stock Company: A stock |
| Decatur | | Nearest in the industry, and that | | Life insurer issuing both participating |
| Glendale | | half-year price increase could really | | and nonparticipating policy contracts. |
| Buffalo | | add up over a 20-year term policy. As | | |
| Marietta | | above, the quicker you purchase your | | Borderline Risk: An insurance |
| Orange | | policy the better. | | prospect of doubtful quality from an |
| Poughkeepsie | | | | underwriting point of view. |
| Kansas City | | Individuals who have 30-year | | |
| Bethlehem | | mortgages might want to consider a | | Substandard Risk: A risk not |
| Kansas City | | 30-year term to ensure that the house | | measuring up to underwriting |
| Cookeville | | is protected throughout the period of | | standards. It may still be written but |
| Allentown | | the loan. | | usually at a surcharged premium. |
