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| Fall River | | The quickest and easiest way to | | Equity: The money value of an |
| Charleston | | shop for new insurance is by | | insurance company that is over and |
| Pueblo | | comparing rates at InsWebs online | | above its liabilities. Liabilities include |
| San Diego | | marketplace. If you do it the | | almost all of its reserves. |
| Oklahoma City | | old-fashioned way (by calling or | | |
| Sunnyvale | | visiting multiple agents or insurance | | Earned Income: The money |
| Inglewood | | companies) it could take up a huge | | individuals earn as a result of working |
| Tampa | | chunk of your time, which no one | | at some job or occupation for which |
| Chandler | | wants or needs. By completing | | they are paid a salary. |
| Riverside | | InsWebs online application, you will | | |
| Jackson | | have rates to compare to your old | | Standard Industry Code (SIC): This is |
| Duluth | | ones within minutes! | | a coding system which assigns |
| Chula Vista | | | | separate codes for different types of |
| Bakersfield | | Make sure you have a new policy in | | industries. |
| Dallas | | place before you cancel your old one | | |
| Roanoke | | to avoid a lapse in coverage. This will | | Foreign Insurer: An insurer domiciled |
| Burbank | | also prevent having to figure out the | | in a state of the United States other |
| Dayton | | amount of any unused premium that is | | than the one in which the insured's |
| Lafayette | | due to you from your old insurance | | insurance is written. |
| Sarasota | | company, or having to spar with your | | |
| Garland | | agent about exactly when your policy | | We/Us/Our: These words are used to |
| Las Cruces | | was cancelled and how much they | | refer to the insurer in many of the |
| Longview | | owe you. | | modernized/personalized policy |
| Palm Desert | | | | forms recently introduced. |
| Metairie | | Individuals who have 30-year | | |
| Lake Worth | | mortgages might want to consider a | | Initial Premium: An amount paid at the |
| Dearborn | | 30-year term to ensure that the house | | inception of an insurance contract, |
| Chesapeake | | is protected throughout the period of | | usually subject to adjustment at the |
| Melbourne | | the loan. | | end of the policy period. |
