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| Hickory | | While some companies raise their | | Legislative Risk: A risk faced by |
| Allentown | | prices based on your actual age, | | investors whereby changes in tax |
| Scottsdale | | most companies increase the price of | | laws can result in adverse effects on |
| Slidell | | their policies six months before your | | the individual's investment results. |
| Pueblo | | birthday. Its a term called Age | | |
| Warren | | Nearest in the industry, and that | | Dual Life Stock Company: A stock |
| Fall River | | half-year price increase could really | | Life insurer issuing both participating |
| Toms River | | add up over a 20-year term policy. As | | and nonparticipating policy contracts. |
| Edison | | above, the quicker you purchase your | | |
| Hampton | | policy the better. | | Level Commission System: A system |
| Bloomington | | | | of commissions in which the first year |
| Las Vegas | | The quickest and easiest way to | | and all renewal commissions are the |
| Fort Wayne | | shop for new insurance is by | | same percentage of the premium. |
| Tacoma | | comparing rates at InsWebs online | | |
| Tempe | | marketplace. If you do it the | | Retail Credit Company: The former |
| Lawton | | old-fashioned way (by calling or | | name of Equifax, a credit reporting |
| Santa Rosa | | visiting multiple agents or insurance | | organization. See Equifax. |
| Huntington | | companies) it could take up a huge | | |
| Gulfport | | chunk of your time, which no one | | Losses Outstanding: A summary |
| Hickory | | wants or needs. By completing | | statement prepared by Property, Life, |
| Las Cruces | | InsWebs online application, you will | | and Liability insurers showing claims |
| Green Bay | | have rates to compare to your old | | not yet settled. |
| Little Rock | | ones within minutes! | | |
| Detroit | | | | Deflation: An economic period |
| Riverside | | Everyone has different needs, and | | characterized by falling prices, high |
| Washington | | not one size fits all when it comes to | | unemployment and a generally |
| Scottsdale | | term life insurance. While it may make | | sluggish or slow economy. |
| Ann Arbor | | sense for people in their 30s and 40s | | |
| Metairie | | to secure a 20-year term length, a | | Capital Sum: The maximum lump sum |
| Sioux Falls | | 10-year term might be more | | payable in the event of accidental |
| Jacksonville | | appropriate for someone nearing | | death or dismemberment. |
| Alexandria | | retirement. | | |
| Norfolk | | | | Initial Premium: An amount paid at the |
| Peoria | | Why not take advantage of current | | inception of an insurance contract, |
| Des Moines | | low prices? Many auto insurance | | usually subject to adjustment at the |
| Portland | | consumers are becoming educated | | end of the policy period. |
| Gulfport | | on other companies, plans, and rates | | |
| Trenton | | that are available to them; ones that | | |
| Spartanburg | | could afford them significant savings | | |
| Whittier | | on their auto insurance. | | |
