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| Riverside | | The best time to switch policies is | | Policy Anniversary: The anniversary |
| St. Paul | | within one month of receiving your | | of the date of issue of a policy as |
| Tuscaloosa | | policy renewal from your current | | shown in the policy declarations. |
| Knoxville | | insurer. You can typically cancel your | | |
| Corona | | policy without any fees or penalties if | | Tariff Rate: A rate established by a |
| Hollywood | | you act within this time period. | | rating organization, which comes from |
| Quincy | | | | the tables, schedules and rules found |
| Decatur | | While some companies raise their | | in the tariff of rates. |
| Green Bay | | prices based on your actual age, | | |
| Salt Lake City | | most companies increase the price of | | American Risk and Insurance |
| Clinton Township | | their policies six months before your | | Association: An association of |
| Hartford | | birthday. Its a term called Age | | insurance educators and others |
| Rochester | | Nearest in the industry, and that | | interested in insurance study and |
| Tacoma | | half-year price increase could really | | research. |
| Fort Wayne | | add up over a 20-year term policy. As | | |
| Berkeley | | above, the quicker you purchase your | | Admitted Company: An insurance |
| Tampa | | policy the better. | | company authorized and licensed to |
| Jackson | | | | do business in a given state. |
| Nashville | | The quickest and easiest way to | | |
| Escondido | | shop for new insurance is by | | Open Rating: A system whereby a |
| Lawton | | comparing rates at InsWebs online | | state allows an insurer to use rates |
| Allentown | | marketplace. If you do it the | | without prior approval. |
| Racine | | old-fashioned way (by calling or | | |
| Eugene | | visiting multiple agents or insurance | | Partnership: A business enterprise |
| Oxnard | | companies) it could take up a huge | | owned and operated by two or more |
| Portsmouth | | chunk of your time, which no one | | persons for the purpose of generating |
| Racine | | wants or needs. By completing | | business income and profits. |
| Slidell | | InsWebs online application, you will | | |
| Davenport | | have rates to compare to your old | | Operating Expense: The expense of |
| Bay City | | ones within minutes! | | an insurer other than commissions |
| Clearwater | | | | and taxes. Called " and Insurance |
| Lowell | | Healthy people have the best | | Expense" in the convention statement |
| Gainesville | | mortality risks and thus are much | | blank. |
| Fayetteville | | cheaper for companies to insure. This | | |
| Corpus Christi | | translates into lower rates for the | | |
| Salt Lake City | | Super Preferred customer than | | |
| Newport News | | someone with higher risk factors such | | |
| Las Cruces | | as a heart condition, cancer or | | |
| Honolulu | | diabetes. Conversely, if you were | | |
| Winter Park | | unhealthy when you acquired your | | |
| Englewood | | policy, and your health has now | | |
| Newburgh | | improved, it might be time to shop for | | |
| St. Paul | | a new policy, as your rates are likely | | |
| San Jose | | to be lower. | | |
