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| Phoenix | | Life insurance, specifically Term Life, | | Commercial Lines: This term is used |
| El Paso | | is arguably one of the best values in | | to refer to insurance for businesses, |
| Elkhart | | the entire financial services arena. | | professionals, and commercial |
| Texarkana | | Where else can you go and get | | establishments. |
| Chandler | | hundreds of thousands of dollars in | | |
| Clearwater | | protection for literally pennies per | | Shock Loss: A catastrophic loss so |
| Albany | | day? Rates for Term Life insurance | | large that it has a material effect on |
| Tempe | | remain at all-time lows, and now is the | | the underwriting results of a company. |
| Bradenton | | time to lock in the best prices. | | |
| Rockville | | | | Inspection: Independent checking on |
| Fort Lauderdale | | Why not take advantage of current | | facts about an applicant, |
| Cincinnati | | low prices? Many auto insurance | | policyholder, or claimant, usually by a |
| Bradenton | | consumers are becoming educated | | commercial inspection agency. |
| Woodbridge | | on other companies, plans, and rates | | |
| Scranton | | that are available to them; ones that | | Brokerage Business: Business |
| Burbank | | could afford them significant savings | | offered to an insurer by a broker. This |
| Lowell | | on their auto insurance. | | is sometimes called excess or |
| Boise | | | | surplus business. |
| Monroe | | Shopping around is the best way to | | |
| Metairie | | save money on your insurance. | | Agent's License: A certificate of |
| Spring Hill | | | | authority from the state which permits |
| Thousand Oaks | | Everyone has different needs, and | | the agent to conduct business. |
| Longwood | | not one size fits all when it comes to | | |
| Johnson City | | term life insurance. While it may make | | Level Commission System: A system |
| New York | | sense for people in their 30s and 40s | | of commissions in which the first year |
| Longmont | | to secure a 20-year term length, a | | and all renewal commissions are the |
| Bay City | | 10-year term might be more | | same percentage of the premium. |
| Saginaw | | appropriate for someone nearing | | |
| Durham | | retirement. | | Calendar Year Experience: This |
| West Chester | | | | measures the premiums and losses |
| Durham | | Individuals who have 30-year | | entered on accounting records during |
| Irving | | mortgages might want to consider a | | the 12-month calendar. |
| Melbourne | | 30-year term to ensure that the house | | |
| Delray Beach | | is protected throughout the period of | | Underwriters Laboratories, Inc. (UL): A |
| St. Paul | | the loan. | | testing laboratory for manufactured |
| Thousand Oaks | | | | items to determine their safety |
| Cleveland | | | | propensities. |
