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| Jacksonville | | Individuals who have 30-year | | Accidental Bodily Injury: An injury |
| Lafayette | | mortgages might want to consider a | | sustained accidentally. Only the result |
| Kansas City | | 30-year term to ensure that the house | | need be accidental. Contrast with |
| Hemet | | is protected throughout the period of | | Accidental Means. |
| Gulfport | | the loan. | | |
| Alexandria | | | | Agent's Qualification Law: Education, |
| Jacksonville | | People who are trying to quit | | experience, and other requirements |
| Gainesville | | smoking, for example, might be best | | imposed by the state upon persons |
| Gaithersburg | | suited purchasing a shorter term (and | | desiring to be licensed as agents. |
| Cincinnati | | then replacing it with a longer term | | |
| Norwalk | | policy when they qualify for | | Accident Year Experience: Measures |
| Springfield | | non-tobacco prices). | | premiums and losses relating to |
| Detroit | | | | accidents which occurred during a |
| Lafayette | | Healthy people have the best | | 12-month period. |
| Charlotte | | mortality risks and thus are much | | |
| Monroe | | cheaper for companies to insure. This | | Initial Premium: An amount paid at the |
| Irvine | | translates into lower rates for the | | inception of an insurance contract, |
| Minneapolis | | Super Preferred customer than | | usually subject to adjustment at the |
| Yuma | | someone with higher risk factors such | | end of the policy period. |
| Denver | | as a heart condition, cancer or | | |
| Naperville | | diabetes. Conversely, if you were | | Convention Values: Values assigned |
| Monroe | | unhealthy when you acquired your | | to insurers' assets in the convention |
| Longmont | | policy, and your health has now | | blank. |
| Westbury | | improved, it might be time to shop for | | |
| Norfolk | | a new policy, as your rates are likely | | Claim: A demand made by the |
| Clarksville | | to be lower. | | insured, or the insured's beneficiary, |
| Trenton | | | | for payment of the benefits provided |
| Johnson City | | While some companies raise their | | by the contract. |
| Tempe | | prices based on your actual age, | | |
| Buffalo | | most companies increase the price of | | Examiner: An employee assigned by |
| Corona | | their policies six months before your | | the state insurance department to |
| Anaheim | | birthday. Its a term called Age | | audit insurers' records. |
| Evansville | | Nearest in the industry, and that | | |
| Lakeland | | half-year price increase could really | | Open Rating: A system whereby a |
| San Diego | | add up over a 20-year term policy. As | | state allows an insurer to use rates |
| Silver Spring | | above, the quicker you purchase your | | without prior approval. |
| Worcester | | policy the better. | | |
