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| South Bend | | Individuals who have 30-year | | Malinger: To feign a disability for the |
| Racine | | mortgages might want to consider a | | purpose of continuing to collect |
| Chesapeake | | 30-year term to ensure that the house | | benefits longer than actually |
| Scranton | | is protected throughout the period of | | necessary. |
| Troy | | the loan. | | |
| Syracuse | | | | Policy Period (or Term): The period |
| Cape Coral | | Healthy people have the best | | during which the policy contract |
| Lubbock | | mortality risks and thus are much | | affords protection, e.g., six months or |
| Williamsport | | cheaper for companies to insure. This | | one or three years. |
| Anaheim | | translates into lower rates for the | | |
| Green Bay | | Super Preferred customer than | | Flat Cancellation: A policy which is |
| Wilmington | | someone with higher risk factors such | | cancelled upon its effective date. |
| Philadelphia | | as a heart condition, cancer or | | Usually under a flat cancellation no |
| Valdosta | | diabetes. Conversely, if you were | | premium charge is made. |
| Bakersfield | | unhealthy when you acquired your | | |
| West Palm Beach | | policy, and your health has now | | Professional Insurance Agents |
| Olympia | | improved, it might be time to shop for | | Association: A trade association of |
| Fredericksburg | | a new policy, as your rates are likely | | mutual insurance agents. |
| Lawton | | to be lower. | | |
| Midland | | | | Provisions: Statements contained in |
| Fort Myers | | Shopping around is the best way to | | an insurance policy which explain the |
| Texarkana | | save money on your insurance. | | benefits, conditions and other |
| Spartanburg | | | | features of the insurance contract. |
| Spartanburg | | While some companies raise their | | |
| Charleston | | prices based on your actual age, | | Replacement: A new policy written to |
| Union | | most companies increase the price of | | take the place of one currently in force. |
| Cincinnati | | their policies six months before your | | |
| Sarasota | | birthday. Its a term called Age | | Insolvent Insurer: An insurer which is |
| Sioux Falls | | Nearest in the industry, and that | | unable to meet its financial |
| Johnson City | | half-year price increase could really | | obligations. |
| Greenville | | add up over a 20-year term policy. As | | |
| Providence | | above, the quicker you purchase your | | Independent Contractor: One who |
| Bakersfield | | policy the better. | | agrees to perform according to a |
| Lansing | | | | contract and who is not an employee. |
