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| Rockville | | While some companies raise their | | Depreciation: A decrease in the value |
| Jackson | | prices based on your actual age, | | of any type of tangible property over |
| Tuscaloosa | | most companies increase the price of | | a period of time resulting from use, |
| Dayton | | their policies six months before your | | wear and tear, or obsolescence. |
| Colorado Springs | | birthday. Its a term called Age | | |
| Pensacola | | Nearest in the industry, and that | | Cash Flow Underwriting: The use of |
| South Bend | | half-year price increase could really | | rating and premium collection |
| Sterling Heights | | add up over a 20-year term policy. As | | techniques by insurance companies |
| Metairie | | above, the quicker you purchase your | | to maximize interest earnings on |
| Joliet | | policy the better. | | premiums. |