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| Lubbock | | While some companies raise their | | Broker-Agent: One acting as an agent |
| Downey | | prices based on your actual age, | | of one or more insurers and as a |
| Schenectady | | most companies increase the price of | | broker in dealing with one or more |
| Fullerton | | their policies six months before your | | other insurers. |
| Fort Smith | | birthday. Its a term called Age | | |
| Springfield | | Nearest in the industry, and that | | Submitted Business: Applications for |
| Boynton Beach | | half-year price increase could really | | insurance submitted to an insurer but |
| Alameda | | add up over a 20-year term policy. As | | not yet acted upon by it. |
| Santa Barbara | | above, the quicker you purchase your | | |
| Edmond | | policy the better. | | Divided Cover: The placing of |
| Orange Park | | | | insurance on a given subject or |
| Honolulu | | Individuals who have 30-year | | object with more than one insurer. |
| Sterling Heights | | mortgages might want to consider a | | |
| Duluth | | 30-year term to ensure that the house | | Valuation Clause: A clause stating the |
| Longwood | | is protected throughout the period of | | value of items for insurance |
| Lexington | | the loan. | | purposes, making it a valued policy. |