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| York | | Individuals who have 30-year | | Effective Date: The date on which the |
| Pittsburgh | | mortgages might want to consider a | | protection of an insurance policy or |
| Phoenix | | 30-year term to ensure that the house | | bond goes into effect. |
| Tuscaloosa | | is protected throughout the period of | | |
| Berkeley | | the loan. | | Net Interest Earned: The average |
| Whittier | | | | interest earned by an insurer on its |
| Longwood | | The best time to switch policies is | | investments after investment expense |
| Columbus | | within one month of receiving your | | but before federal income taxes. |
| Johnson City | | policy renewal from your current | | |
| Torrance | | insurer. You can typically cancel your | | Partnership Entity: The partnership |
| Boulder | | policy without any fees or penalties if | | considered as an entity and not in |
| Joliet | | you act within this time period. | | terms of its individual part-owners. |