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| Garland | | Healthy people have the best | | Professional Insurance Agents |
| Torrance | | mortality risks and thus are much | | Association: A trade association of |
| Lake Charles | | cheaper for companies to insure. This | | mutual insurance agents. |
| Evansville | | translates into lower rates for the | | |
| Pensacola | | Super Preferred customer than | | Net Interest Earned: The average |
| Texarkana | | someone with higher risk factors such | | interest earned by an insurer on its |
| Sacramento | | as a heart condition, cancer or | | investments after investment expense |
| Frederick | | diabetes. Conversely, if you were | | but before federal income taxes. |
| Colorado Springs | | unhealthy when you acquired your | | |
| Greenville | | policy, and your health has now | | Valued: Relating to an agreement by |
| Warren | | improved, it might be time to shop for | | an insurer to pay a specified amount |
| Santa Barbara | | a new policy, as your rates are likely | | of money to or on behalf of the |
| El Paso | | to be lower. | | insured upon occurrence of a defined |
| Inglewood | | | | loss. |
| Lake Charles | | Everyone has different needs, and | | |
| Sioux City | | not one size fits all when it comes to | | Burning Ratio: The ratio of losses |
| South Bend | | term life insurance. While it may make | | suffered to the amount of insurance in |
| Detroit | | sense for people in their 30s and 40s | | effect. |
| Racine | | to secure a 20-year term length, a | | |
| Carlsbad | | 10-year term might be more | | Malinger: To feign a disability for the |
| Harlingen | | appropriate for someone nearing | | purpose of continuing to collect |
| Hendersonville | | retirement. | | benefits longer than actually |
| Mesquite | | | | necessary. |
| Costa Mesa | | While some companies raise their | | |
| Alpharetta | | prices based on your actual age, | | New For Old: Replacing old |
| Naperville | | most companies increase the price of | | damaged parts or equipment with |
| Montgomery | | their policies six months before your | | new ones rather than repairing them. |
| Johnson City | | birthday. Its a term called Age | | |
| Edison | | Nearest in the industry, and that | | Retrospective Premium: The final |
| Knoxville | | half-year price increase could really | | premium in a retrospective rating |
| Ocala | | add up over a 20-year term policy. As | | plan. See Retrospective Rating. |
| San Antonio | | above, the quicker you purchase your | | |
| Anderson | | policy the better. | | Approved: The condition which exists |
| Dayton | | | | when the person or object to be |
| Kalamazoo | | | | insured meets the underwriting |
| Bloomington | | | | standards of the insurer. |
