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| Spartanburg | | While some companies raise their | | Net Retention: The amount of |
| Waco | | prices based on your actual age, | | insurance that a ceding company |
| Warwick | | most companies increase the price of | | keeps for its own account and does |
| Youngstown | | their policies six months before your | | not reinsure. |
| Newark | | birthday. Its a term called Age | | |
| Albany | | Nearest in the industry, and that | | Gain and Loss Exhibit: The portion of |
| Sacramento | | half-year price increase could really | | the convention blank which |
| Torrance | | add up over a 20-year term policy. As | | represents an analysis of gains, |
| Fort Collins | | above, the quicker you purchase your | | losses, and surplus during an |
| Hattiesburg | | policy the better. | | accounting period. |