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| Billings | | Healthy people have the best | | Admitted Company: An insurance |
| Naperville | | mortality risks and thus are much | | company authorized and licensed to |
| Boston | | cheaper for companies to insure. This | | do business in a given state. |
| Edmond | | translates into lower rates for the | | |
| Henderson | | Super Preferred customer than | | Substandard Risk: A risk not |
| South Bend | | someone with higher risk factors such | | measuring up to underwriting |
| Lima | | as a heart condition, cancer or | | standards. It may still be written but |
| Mansfield | | diabetes. Conversely, if you were | | usually at a surcharged premium. |
| Birmingham | | unhealthy when you acquired your | | |
| Honolulu | | policy, and your health has now | | Claim Expense: The expense of |
| Longview | | improved, it might be time to shop for | | adjusting a claim, such as |
| Silver Spring | | a new policy, as your rates are likely | | investigation and attorneys' fees. It |
| Lafayette | | to be lower. | | does not include the cost of the claim |
| El Cajon | | | | itself. |
| Lansing | | The quickest and easiest way to | | |
| Pembroke Pines | | shop for new insurance is by | | Partnership: A business enterprise |
| Stamford | | comparing rates at InsWebs online | | owned and operated by two or more |
| Alameda | | marketplace. If you do it the | | persons for the purpose of generating |
| Thousand Oaks | | old-fashioned way (by calling or | | business income and profits. |
| Fredericksburg | | visiting multiple agents or insurance | | |
| Long Island City | | companies) it could take up a huge | | Accidental Bodily Injury: An injury |
| Bellevue | | chunk of your time, which no one | | sustained accidentally. Only the result |
| Norwalk | | wants or needs. By completing | | need be accidental. Contrast with |
| Sacramento | | InsWebs online application, you will | | Accidental Means. |
| Santa Barbara | | have rates to compare to your old | | |
| Canton | | ones within minutes! | | Exclusions: Specific situations, |
| Jackson | | | | conditions, or circumstances that are |
| Gulfport | | If you decide to cancel your policy | | listed in the contract as being not |
| St. Paul | | (after acquiring new coverage) | | covered. |
| Poughkeepsie | | outside of the 30-day period, you may | | |
| Longwood | | have to pay a fee or penalty. | | Stock Option Plan: Surviving |
| Columbia | | However, you may still save money | | stockholders have the option to |
| Jersey City | | after paying the fee if your new policy | | purchase or not purchase the shares |
| Columbia | | affords you significant savings. So | | of a deceased stockholder. |
| Spokane | | while it is best to wait until your | | |
| Greeley | | receive your renewal notice, you CAN | | |
| Schenectady | | cancel your policy at any time. | | |
