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| Henderson | | While some companies raise their | | You/Your: These words are used to |
| Ogden | | prices based on your actual age, | | refer to the named insured in many of |
| Los Angeles | | most companies increase the price of | | the modernized/personalized policy |
| Pensacola | | their policies six months before your | | forms. |
| Eugene | | birthday. Its a term called Age | | |
| Arlington | | Nearest in the industry, and that | | Paid-In Surplus: Surplus paid in by |
| Bronx | | half-year price increase could really | | stockholders, as contrasted with |
| Roanoke | | add up over a 20-year term policy. As | | surplus earned through the |
| Sioux Falls | | above, the quicker you purchase your | | operations of a business. |
| Dothan | | policy the better. | | |
| Worcester | | | | Business: In Property, Liability, and |
| High Point | | Individuals who have 30-year | | Health lines, it usually refers to the |
| Panama City | | mortgages might want to consider a | | volume of premiums. |
| Clinton Township | | 30-year term to ensure that the house | | |
| Conroe | | is protected throughout the period of | | Open Rating: A system whereby a |
| Colorado Springs | | the loan. | | state allows an insurer to use rates |
| Palm Desert | | | | without prior approval. |
| Lincoln | | Why not take advantage of current | | |
| Quincy | | low prices? Many auto insurance | | Mandatory Valuation Reserve: A |
| Jersey City | | consumers are becoming educated | | reserve required by a state law to |
| Austin | | on other companies, plans, and rates | | offset any declines in the valuation of |
| Sterling Heights | | that are available to them; ones that | | securities listed as admitted assets. |
| Henderson | | could afford them significant savings | | |
| St. Paul | | on their auto insurance. | | Cash Flow Underwriting: The use of |
| Mesquite | | | | rating and premium collection |
| Chandler | | The quickest and easiest way to | | techniques by insurance companies |
| Dearborn | | shop for new insurance is by | | to maximize interest earnings on |
| Stamford | | comparing rates at InsWebs online | | premiums. |
| Davenport | | marketplace. If you do it the | | |
| Fayetteville | | old-fashioned way (by calling or | | Commercial Lines: This term is used |
| Edison | | visiting multiple agents or insurance | | to refer to insurance for businesses, |
| Newport Beach | | companies) it could take up a huge | | professionals, and commercial |
| Houma | | chunk of your time, which no one | | establishments. |
| Syracuse | | wants or needs. By completing | | |
| Denver | | InsWebs online application, you will | | |
| Ocala | | have rates to compare to your old | | |
| Dearborn | | ones within minutes! | | |
