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| Malden | | While some companies raise their | | Legislative Risk: A risk faced by |
| Franklin | | prices based on your actual age, | | investors whereby changes in tax |
| New York | | most companies increase the price of | | laws can result in adverse effects on |
| Sumter | | their policies six months before your | | the individual's investment results. |
| Topeka | | birthday. Its a term called Age | | |
| Monroe | | Nearest in the industry, and that | | Effective Date: The date on which the |
| Denton | | half-year price increase could really | | protection of an insurance policy or |
| Independence | | add up over a 20-year term policy. As | | bond goes into effect. |
| Thousand Oaks | | above, the quicker you purchase your | | |
| Nashua | | policy the better. | | Examiner: An employee assigned by |
| Lawton | | | | the state insurance department to |
| Chandler | | If you have noticed that your auto | | audit insurers' records. |
| Syracuse | | insurance rates are still increasing | | |
| Lawrenceville | | with each renewal, or even have not | | Countersignature: The signature of a |
| Charlotte | | gone down even though you have a | | licensed agent or representative on a |
| Daytona Beach | | great driving record, this lower pricing | | policy. |
| Abilene | | trend makes it more important then | | |
| Santa Monica | | ever that you shop around for auto | | Short Rate Premium: The premium |
| Franklin | | insurance. | | required for issuing a policy for a |
| Wichita | | | | period less than its normal term. |
| Clearwater | | Individuals who have 30-year | | |
| Johnstown | | mortgages might want to consider a | | Net Retention: The amount of |
| Springfield | | 30-year term to ensure that the house | | insurance that a ceding company |
| Jonesboro | | is protected throughout the period of | | keeps for its own account and does |
| Wichita | | the loan. | | not reinsure. |
