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| Los Angeles | | Everyone has different needs, and | | Depreciation: A decrease in the value |
| Salt Lake City | | not one size fits all when it comes to | | of any type of tangible property over |
| Omaha | | term life insurance. While it may make | | a period of time resulting from use, |
| Trenton | | sense for people in their 30s and 40s | | wear and tear, or obsolescence. |
| Flushing | | to secure a 20-year term length, a | | |
| Irvine | | 10-year term might be more | | Federal Deposit Insurance |
| Denton | | appropriate for someone nearing | | Corporation (FDIC): An agency of the |
| Decatur | | retirement. | | federal government which insures |
| Oakland | | | | bank deposits up to a stated |
| Overland Park | | We offer quotes for auto insurance, | | maximum. |
| El Paso | | life insurance, homeowners | | |
| Sumter | | insurance, health insurance, term life | | Domestic Insurer (or Company): An |
| Alpharetta | | insurance and more. | | insurer formed under the laws of the |
| Olympia | | | | state in which the insurance is written. |
| Baton Rouge | | Individuals who have 30-year | | |
| Anchorage | | mortgages might want to consider a | | Gross Line: The total limit accepted |
| Melbourne | | 30-year term to ensure that the house | | by an insurer on an individual risk, |
| Cherry Hill | | is protected throughout the period of | | including the amount to be reinsured. |
| North Hollywood | | the loan. | | |
| Portland | | | | Operating Expense: The expense of |
| Lima | | People who are trying to quit | | an insurer other than commissions |
| Lake Charles | | smoking, for example, might be best | | and taxes. Called " and Insurance |
| Baton Rouge | | suited purchasing a shorter term (and | | Expense" in the convention statement |
| Grand Rapids | | then replacing it with a longer term | | blank. |
| Albany | | policy when they qualify for | | |
| Waterloo | | non-tobacco prices). | | Malinger: To feign a disability for the |
| Quincy | | | | purpose of continuing to collect |
| Asheville | | The best time to switch policies is | | benefits longer than actually |
| Midland | | within one month of receiving your | | necessary. |
| Des Moines | | policy renewal from your current | | |
| San Jose | | insurer. You can typically cancel your | | Fictitious Groups: Groups formed |
| Grand Junction | | policy without any fees or penalties if | | primarily for the purpose of buying |
| Wichita Falls | | you act within this time period. | | insurance. Under the law such groups |
| Miami | | | | may not be underwritten. |
