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| Spokane | | Everyone has different needs, and | | Divided Cover: The placing of |
| Brooklyn | | not one size fits all when it comes to | | insurance on a given subject or |
| Lexington | | term life insurance. While it may make | | object with more than one insurer. |
| Overland Park | | sense for people in their 30s and 40s | | |
| Spartanburg | | to secure a 20-year term length, a | | Time Limits: The limits of time within |
| Lake Charles | | 10-year term might be more | | which notice of a claim and proof of a |
| Malden | | appropriate for someone nearing | | loss must be submitted. |
| Pueblo | | retirement. | | |
| Williamsburg | | | | Shock Loss: A catastrophic loss so |
| Ann Arbor | | Make sure you have a new policy in | | large that it has a material effect on |
| Coral Springs | | place before you cancel your old one | | the underwriting results of a company. |
| Manchester | | to avoid a lapse in coverage. This will | | |
| Westbury | | also prevent having to figure out the | | Amendment: A formal document |
| Newport News | | amount of any unused premium that is | | which corrects or revises an |
| San Jose | | due to you from your old insurance | | insurance master policy. |
| Lakewood | | company, or having to spar with your | | |
| Tampa | | agent about exactly when your policy | | Valued: Relating to an agreement by |
| Grand Junction | | was cancelled and how much they | | an insurer to pay a specified amount |
| Corona | | owe you. | | of money to or on behalf of the |
| Tulsa | | | | insured upon occurrence of a defined |
| Jackson | | People who are trying to quit | | loss. |
| Westbury | | smoking, for example, might be best | | |
| Wilmington | | suited purchasing a shorter term (and | | Accidental Bodily Injury: An injury |
| Venice | | then replacing it with a longer term | | sustained accidentally. Only the result |
| Flushing | | policy when they qualify for | | need be accidental. Contrast with |
| Bay City | | non-tobacco prices). | | Accidental Means. |
