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| Huntsville | | Shopping around is the best way to | | Premium: The price of insurance |
| Dallas | | save money on your insurance. | | protection for a specified risk for a |
| Panama City | | | | specified period of time. |
| Hollywood | | Everyone has different needs, and | | |
| Oakland | | not one size fits all when it comes to | | Legislative Risk: A risk faced by |
| Las Cruces | | term life insurance. While it may make | | investors whereby changes in tax |
| Naperville | | sense for people in their 30s and 40s | | laws can result in adverse effects on |
| Seattle | | to secure a 20-year term length, a | | the individual's investment results. |
| Chesapeake | | 10-year term might be more | | |
| Syracuse | | appropriate for someone nearing | | Absolute Assignment: Assignment by |
| Harrisburg | | retirement. | | a policy owner of all control of and |
| Jasper | | | | rights in the policy to a third party. |
| Salem | | The quickest and easiest way to | | |
| Edison | | shop for new insurance is by | | Deflation: An economic period |
| Cape Coral | | comparing rates at InsWebs online | | characterized by falling prices, high |
| Costa Mesa | | marketplace. If you do it the | | unemployment and a generally |
| Tuscaloosa | | old-fashioned way (by calling or | | sluggish or slow economy. |
| Daytona Beach | | visiting multiple agents or insurance | | |
| New Orleans | | companies) it could take up a huge | | Burning Ratio: The ratio of losses |
| Eugene | | chunk of your time, which no one | | suffered to the amount of insurance in |
| Zanesville | | wants or needs. By completing | | effect. |
| Houston | | InsWebs online application, you will | | |
| Edmond | | have rates to compare to your old | | Premises: The particular location of |
| Santa Clara | | ones within minutes! | | property or a portion thereof as |
| Memphis | | | | designated in a policy. |
| Indianapolis | | If you decide to cancel your policy | | |
| Montgomery | | (after acquiring new coverage) | | Deficit Carried Forward: The transfer |
| Cincinnati | | outside of the 30-day period, you may | | of a debit balance from one |
| Shreveport | | have to pay a fee or penalty. | | accounting period to another. |
| Richmond | | However, you may still save money | | |
| Reno | | after paying the fee if your new policy | | Short Rate Premium: The premium |
| Jacksonville | | affords you significant savings. So | | required for issuing a policy for a |
| Torrance | | while it is best to wait until your | | period less than its normal term. |
| Beaumont | | receive your renewal notice, you CAN | | |
| Winter Park | | cancel your policy at any time. | | |
