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| San Francisco | | Life insurance, specifically Term Life, | | Borderline Risk: An insurance |
| Vero Beach | | is arguably one of the best values in | | prospect of doubtful quality from an |
| Sunnyvale | | the entire financial services arena. | | underwriting point of view. |
| Springfield | | Where else can you go and get | | |
| Sterling Heights | | hundreds of thousands of dollars in | | Tabular Plan: A retrospective rating |
| Winter Park | | protection for literally pennies per | | plan, which uses tables to furnish the |
| Newport News | | day? Rates for Term Life insurance | | various values for the rating formula. |
| Quincy | | remain at all-time lows, and now is the | | |
| Yonkers | | time to lock in the best prices. | | Net Retention: The amount of |
| Salem | | | | insurance that a ceding company |
| Lubbock | | If you have noticed that your auto | | keeps for its own account and does |
| Newport News | | insurance rates are still increasing | | not reinsure. |
| Chula Vista | | with each renewal, or even have not | | |
| Philadelphia | | gone down even though you have a | | Partnership: A business enterprise |
| West Chester | | great driving record, this lower pricing | | owned and operated by two or more |
| Owensboro | | trend makes it more important then | | persons for the purpose of generating |
| Columbus | | ever that you shop around for auto | | business income and profits. |
| New Orleans | | insurance. | | |
| Waterloo | | | | Premises: The particular location of |
| Vero Beach | | Healthy people have the best | | property or a portion thereof as |
| St. Paul | | mortality risks and thus are much | | designated in a policy. |
| Macon | | cheaper for companies to insure. This | | |
| Huntington Beach | | translates into lower rates for the | | Stock Option Plan: Surviving |
| Oxnard | | Super Preferred customer than | | stockholders have the option to |
| Midland | | someone with higher risk factors such | | purchase or not purchase the shares |
| Boca Raton | | as a heart condition, cancer or | | of a deceased stockholder. |
| El Paso | | diabetes. Conversely, if you were | | |
| Richmond | | unhealthy when you acquired your | | Monoline Policy: Any insurance |
| Downey | | policy, and your health has now | | coverage written as a single line |
| Henderson | | improved, it might be time to shop for | | policy. Contrast with Multiple Line or |
| Daytona Beach | | a new policy, as your rates are likely | | Package policy. |
| Pittsburgh | | to be lower. | | |
| Grand Junction | | | | Net Interest Earned: The average |
| Detroit | | The best time to switch policies is | | interest earned by an insurer on its |
| Billings | | within one month of receiving your | | investments after investment expense |
| Yuma | | policy renewal from your current | | but before federal income taxes. |
| Longmont | | insurer. You can typically cancel your | | |
| Downey | | policy without any fees or penalties if | | |
| Boulder | | you act within this time period. | | |
