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| Acworth | | Life insurance, specifically Term Life, | | Cash Flow Underwriting: The use of |
| Decatur | | is arguably one of the best values in | | rating and premium collection |
| Yonkers | | the entire financial services arena. | | techniques by insurance companies |
| Lorain | | Where else can you go and get | | to maximize interest earnings on |
| Mesquite | | hundreds of thousands of dollars in | | premiums. |
| Clinton Township | | protection for literally pennies per | | |
| Salt Lake City | | day? Rates for Term Life insurance | | Overlapping Insurance: Coverage |
| Austin | | remain at all-time lows, and now is the | | from two or more policies or insurers |
| Fort Myers | | time to lock in the best prices. | | which duplicates coverage of certain |
| Boynton Beach | | | | risks. |
| Springfield | | Everyone has different needs, and | | |
| Fort Worth | | not one size fits all when it comes to | | Professional Insurance Agents |
| Jackson | | term life insurance. While it may make | | Association: A trade association of |
| Savannah | | sense for people in their 30s and 40s | | mutual insurance agents. |
| Mountain View | | to secure a 20-year term length, a | | |
| Reading | | 10-year term might be more | | Minimum Premium: The smallest |
| Athens | | appropriate for someone nearing | | amount of premium for which an |
| Youngstown | | retirement. | | insurer will issue coverage under a |
| Flint | | | | given policy. |
| Philadelphia | | The best time to switch policies is | | |
| White Plains | | within one month of receiving your | | Burning Ratio: The ratio of losses |
| Lincoln | | policy renewal from your current | | suffered to the amount of insurance in |
| Morristown | | insurer. You can typically cancel your | | effect. |
| Santa Rosa | | policy without any fees or penalties if | | |
| Midland | | you act within this time period. | | Valued: Relating to an agreement by |
| Newburgh | | | | an insurer to pay a specified amount |
| Clearwater | | Make sure you have a new policy in | | of money to or on behalf of the |
| Akron | | place before you cancel your old one | | insured upon occurrence of a defined |
| Wilmington | | to avoid a lapse in coverage. This will | | loss. |
| Edmond | | also prevent having to figure out the | | |
| Fort Collins | | amount of any unused premium that is | | Admitted Company: An insurance |
| Lowell | | due to you from your old insurance | | company authorized and licensed to |
| Cherry Hill | | company, or having to spar with your | | do business in a given state. |
| Oakland | | agent about exactly when your policy | | |
| Clearwater | | was cancelled and how much they | | |
| Lakewood | | owe you. | | |
