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| Woodbridge | | While some companies raise their | | Mandatory Valuation Reserve: A |
| Lubbock | | prices based on your actual age, | | reserve required by a state law to |
| Scottsdale | | most companies increase the price of | | offset any declines in the valuation of |
| Muskegon | | their policies six months before your | | securities listed as admitted assets. |
| Anaheim | | birthday. Its a term called Age | | |
| Jersey City | | Nearest in the industry, and that | | Submitted Business: Applications for |
| New Port Richey | | half-year price increase could really | | insurance submitted to an insurer but |
| Plano | | add up over a 20-year term policy. As | | not yet acted upon by it. |
| Hickory | | above, the quicker you purchase your | | |
| Eugene | | policy the better. | | Domestic Insurer (or Company): An |
| Huntsville | | | | insurer formed under the laws of the |
| San Bernardino | | Healthy people have the best | | state in which the insurance is written. |
| Salem | | mortality risks and thus are much | | |
| Jackson | | cheaper for companies to insure. This | | Interstate Carrier: A transportation |
| Grand Junction | | translates into lower rates for the | | company which does business |
| Wichita Falls | | Super Preferred customer than | | across state lines. |
| Wichita | | someone with higher risk factors such | | |
| Manchester | | as a heart condition, cancer or | | Standard Industry Code (SIC): This is |
| St. Louis | | diabetes. Conversely, if you were | | a coding system which assigns |
| Plano | | unhealthy when you acquired your | | separate codes for different types of |
| Phoenix | | policy, and your health has now | | industries. |
| Winter Haven | | improved, it might be time to shop for | | |
| Daytona Beach | | a new policy, as your rates are likely | | Nonadmitted Insurer: An insurer not |
| Cincinnati | | to be lower. | | licensed to do business in the |
| Gaithersburg | | | | jurisdiction in question. Same as |
| Chicago | | Shopping around is the best way to | | Unauthorized Insurer and Unlicensed |
| Ogden | | save money on your insurance. | | Insurer. |