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| Fort Wayne | | Individuals who have 30-year | | Loss Frequency: The number of times |
| Westbury | | mortgages might want to consider a | | a loss occurs over a specific period |
| Lafayette | | 30-year term to ensure that the house | | of time. |
| Panama City | | is protected throughout the period of | | |
| Abilene | | the loan. | | Commission of Authority: A document |
| Toms River | | | | outlining the powers delegated to an |
| Fort Collins | | People who are trying to quit | | agent by an insurer. |
| Williamsport | | smoking, for example, might be best | | |
| Rochester | | suited purchasing a shorter term (and | | Operating Expense: The expense of |
| Killeen | | then replacing it with a longer term | | an insurer other than commissions |
| Gaithersburg | | policy when they qualify for | | and taxes. Called " and Insurance |
| Modesto | | non-tobacco prices). | | Expense" in the convention statement |
| Texarkana | | | | blank. |
| Denton | | We offer quotes for auto insurance, | | |
| Montgomery | | life insurance, homeowners | | Claim Expense: The expense of |
| Akron | | insurance, health insurance, term life | | adjusting a claim, such as |
| Fort Smith | | insurance and more. | | investigation and attorneys' fees. It |
| Youngstown | | | | does not include the cost of the claim |
| Turlock | | Make sure you have a new policy in | | itself. |
| Little Rock | | place before you cancel your old one | | |
| Athens | | to avoid a lapse in coverage. This will | | Replacement: A new policy written to |
| Fort Myers | | also prevent having to figure out the | | take the place of one currently in force. |
| White Plains | | amount of any unused premium that is | | |
| Anchorage | | due to you from your old insurance | | Appraisal: An evaluation of property |
| West Palm Beach | | company, or having to spar with your | | made to ascertain either the |
| Gaithersburg | | agent about exactly when your policy | | appropriate amount of insurance to |
| Troy | | was cancelled and how much they | | be written or the amount of loss to be |
| Turlock | | owe you. | | paid. |