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| St. Louis | | Why not take advantage of current | | Paid-In Surplus: Surplus paid in by |
| New York | | low prices? Many auto insurance | | stockholders, as contrasted with |
| Los Angeles | | consumers are becoming educated | | surplus earned through the |
| Palo Alto | | on other companies, plans, and rates | | operations of a business. |
| Boulder | | that are available to them; ones that | | |
| Louisville | | could afford them significant savings | | Other Insurance: The existence of |
| Evanston | | on their auto insurance. | | other contracts covering the same |
| Indianapolis | | | | interest and perils. |
| Oklahoma City | | People who are trying to quit | | |
| Southfield | | smoking, for example, might be best | | FICA. Federal Insurance Contributions |
| Rome | | suited purchasing a shorter term (and | | Act: A law imposing a payroll tax to |
| Honolulu | | then replacing it with a longer term | | assist in funding Social Security |
| Jacksonville | | policy when they qualify for | | benefits. |
| Fort Lauderdale | | non-tobacco prices). | | |
| Durham | | | | Losses Outstanding: A summary |
| Lincoln | | Healthy people have the best | | statement prepared by Property, Life, |
| Winter Park | | mortality risks and thus are much | | and Liability insurers showing claims |
| Dayton | | cheaper for companies to insure. This | | not yet settled. |
| Bloomington | | translates into lower rates for the | | |
| Fayetteville | | Super Preferred customer than | | Captive Agent: One who sells |
| Anderson | | someone with higher risk factors such | | insurance for only one company as |
| Overland Park | | as a heart condition, cancer or | | opposed to an agent who represents |
| Toms River | | diabetes. Conversely, if you were | | several companies. |
| Louisville | | unhealthy when you acquired your | | |
| Lawton | | policy, and your health has now | | Authorized Insurer: An insurer |
| Torrance | | improved, it might be time to shop for | | authorized by the state to transact |
| Worcester | | a new policy, as your rates are likely | | business in that state for specific |
| Columbus | | to be lower. | | types of insurance. |
