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| Allentown | | While some companies raise their | | Mandatory Valuation Reserve: A |
| Fremont | | prices based on your actual age, | | reserve required by a state law to |
| Santa Barbara | | most companies increase the price of | | offset any declines in the valuation of |
| Jonesboro | | their policies six months before your | | securities listed as admitted assets. |
| Monroe | | birthday. Its a term called Age | | |
| Flint | | Nearest in the industry, and that | | Claim Expense: The expense of |
| Albuquerque | | half-year price increase could really | | adjusting a claim, such as |
| Lafayette | | add up over a 20-year term policy. As | | investigation and attorneys' fees. It |
| Raleigh | | above, the quicker you purchase your | | does not include the cost of the claim |
| Scranton | | policy the better. | | itself. |