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| San Francisco | | Everyone has different needs, and | | Society of Insurance Research: An |
| Boston | | not one size fits all when it comes to | | organization which encourages |
| Lawton | | term life insurance. While it may make | | insurance research and promotes the |
| Akron | | sense for people in their 30s and 40s | | exchange of ideas and methods of |
| Kansas City | | to secure a 20-year term length, a | | research. |
| Fredericksburg | | 10-year term might be more | | |
| Omaha | | appropriate for someone nearing | | Substandard Risk: A risk not |
| Jonesboro | | retirement. | | measuring up to underwriting |
| Syracuse | | | | standards. It may still be written but |
| Johnson City | | Healthy people have the best | | usually at a surcharged premium. |
| Riverside | | mortality risks and thus are much | | |
| Nashua | | cheaper for companies to insure. This | | You/Your: These words are used to |
| Grand Junction | | translates into lower rates for the | | refer to the named insured in many of |
| Muskegon | | Super Preferred customer than | | the modernized/personalized policy |
| Waco | | someone with higher risk factors such | | forms. |
| Grand Junction | | as a heart condition, cancer or | | |
| Lakewood | | diabetes. Conversely, if you were | | Deficit Carried Forward: The transfer |
| Joliet | | unhealthy when you acquired your | | of a debit balance from one |
| Melbourne | | policy, and your health has now | | accounting period to another. |
| El Cajon | | improved, it might be time to shop for | | |
| Spokane | | a new policy, as your rates are likely | | National Auto Theft Bureau: An |
| San Jose | | to be lower. | | organization engaged in the |
| Midland | | | | prevention and reduction of motor |
| Kansas City | | While some companies raise their | | vehicle fire and theft losses. |
| Stamford | | prices based on your actual age, | | |
| Virginia Beach | | most companies increase the price of | | Nonadmitted Insurer: An insurer not |
| Houston | | their policies six months before your | | licensed to do business in the |
| Portland | | birthday. Its a term called Age | | jurisdiction in question. Same as |
| Boulder | | Nearest in the industry, and that | | Unauthorized Insurer and Unlicensed |
| Hot Springs | | half-year price increase could really | | Insurer. |
| Grand Prairie | | add up over a 20-year term policy. As | | |
| Independence | | above, the quicker you purchase your | | Indemnity: Restoration to the victim of |
| San Jose | | policy the better. | | a loss by payment, repair, or |
| Fort Lauderdale | | | | replacement. |
