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| Charleston | | People who are trying to quit | | Retrospective Premium: The final |
| Kansas City | | smoking, for example, might be best | | premium in a retrospective rating |
| Williamsburg | | suited purchasing a shorter term (and | | plan. See Retrospective Rating. |
| Naperville | | then replacing it with a longer term | | |
| Sterling Heights | | policy when they qualify for | | Deflation: An economic period |
| Portland | | non-tobacco prices). | | characterized by falling prices, high |
| Omaha | | | | unemployment and a generally |
| Rapid City | | The best time to switch policies is | | sluggish or slow economy. |
| Charleston | | within one month of receiving your | | |
| Green Bay | | policy renewal from your current | | Mandatory Valuation Reserve: A |
| Coral Springs | | insurer. You can typically cancel your | | reserve required by a state law to |
| Rockville | | policy without any fees or penalties if | | offset any declines in the valuation of |
| Durham | | you act within this time period. | | securities listed as admitted assets. |
