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| Greensboro | | Healthy people have the best | | Index Bureau Experience: A measure |
| San Jose | | mortality risks and thus are much | | of losses relating to claims reported |
| Duluth | | cheaper for companies to insure. This | | through a claim office during a |
| Schenectady | | translates into lower rates for the | | 12-month period. |
| Texarkana | | Super Preferred customer than | | |
| Montgomery | | someone with higher risk factors such | | Premium: The price of insurance |
| Charlotte | | as a heart condition, cancer or | | protection for a specified risk for a |
| Cookeville | | diabetes. Conversely, if you were | | specified period of time. |
| Austin | | unhealthy when you acquired your | | |
| Wichita | | policy, and your health has now | | Operating Expense: The expense of |
| Downey | | improved, it might be time to shop for | | an insurer other than commissions |
| Knoxville | | a new policy, as your rates are likely | | and taxes. Called " and Insurance |
| Stockbridge | | to be lower. | | Expense" in the convention statement |
| Harrisburg | | | | blank. |
| Decatur | | At InsWeb, you can compare free | | |
| Springfield | | online insurance quotes from many of | | Gain and Loss Exhibit: The portion of |
| Toms River | | the nations leading insurance | | the convention blank which |
| Columbus | | companies. | | represents an analysis of gains, |
| Acworth | | | | losses, and surplus during an |
| Ann Arbor | | Make sure you have a new policy in | | accounting period. |
| North Hollywood | | place before you cancel your old one | | |
| Boynton Beach | | to avoid a lapse in coverage. This will | | Broker-Agent: One acting as an agent |
| Jackson | | also prevent having to figure out the | | of one or more insurers and as a |
| Clearwater | | amount of any unused premium that is | | broker in dealing with one or more |
| Fayetteville | | due to you from your old insurance | | other insurers. |
| Longmont | | company, or having to spar with your | | |
| Hollywood | | agent about exactly when your policy | | Theory of Probability: The |
| Westbury | | was cancelled and how much they | | mathematical principle upon which |
| Owensboro | | owe you. | | insurance is based. |