Surprise - they were already soldered by M&H!![/QU
Ya, the terminal is soldered but, when the heat of the soldering iron was applied, I think it shrank the insulation. That's why the wire is exposed at the end of the terminal. I cut the wiring back about an inch from the terminal , ran a piece of heatshrink over the wire, resoldered it and then covered it with the double wall heatshrink. Worked great and I don't have to worry about it shorting against anything. Also gives great support where the wire and terminal are connected.
BTW, I also put heatshrink over the outside of each of the connectors underneath all those ganged-up terminals. When you put the white plastic cover back on the fuse box, you have to compress everything to get it to fit. This just added a little insurance against shorts.