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| Allentown | | While some companies raise their | | Tabular Plan: A retrospective rating |
| Long Island City | | prices based on your actual age, | | plan, which uses tables to furnish the |
| Canton | | most companies increase the price of | | various values for the rating formula. |
| San Diego | | their policies six months before your | | |
| Lakeland | | birthday. Its a term called Age | | Brick Veneer Construction: Refers to |
| Warwick | | Nearest in the industry, and that | | a building where the outside walls are |
| Fairfax | | half-year price increase could really | | constructed of wood with a facing of a |
| Grand Rapids | | add up over a 20-year term policy. As | | single layer of brick. |
| Palm Desert | | above, the quicker you purchase your | | |
| Newburgh | | policy the better. | | Effective Date: The date on which the |
| Delray Beach | | | | protection of an insurance policy or |
| Goldsboro | | Shopping around is the best way to | | bond goes into effect. |
| Valdosta | | save money on your insurance. | | |
| Gainesville | | | | Inspection: Independent checking on |
| Columbia | | Individuals who have 30-year | | facts about an applicant, |
| Jonesboro | | mortgages might want to consider a | | policyholder, or claimant, usually by a |
| Long Island City | | 30-year term to ensure that the house | | commercial inspection agency. |
| Rapid City | | is protected throughout the period of | | |
| Schaumburg | | the loan. | | Liquidity: The ability of an insurer to |
| Wilmington | | | | convert its assets into cash to pay |
| Nashville | | Everyone has different needs, and | | claims if necessary. |
| York | | not one size fits all when it comes to | | |
| Alpharetta | | term life insurance. While it may make | | Capital Sum: The maximum lump sum |
| Overland Park | | sense for people in their 30s and 40s | | payable in the event of accidental |
| Baton Rouge | | to secure a 20-year term length, a | | death or dismemberment. |
| Long Beach | | 10-year term might be more | | |
| Arlington | | appropriate for someone nearing | | Amendment: A formal document |
| Bronx | | retirement. | | which corrects or revises an |
| Troy | | | | insurance master policy. |
| San Antonio | | If you decide to cancel your policy | | |
| Panama City | | (after acquiring new coverage) | | Short Rate Premium: The premium |
| Chandler | | outside of the 30-day period, you may | | required for issuing a policy for a |
| Bradenton | | have to pay a fee or penalty. | | period less than its normal term. |
| Orlando | | However, you may still save money | | |
| Kansas City | | after paying the fee if your new policy | | |
| Tampa | | affords you significant savings. So | | |
| Springfield | | while it is best to wait until your | | |
| Cranston | | receive your renewal notice, you CAN | | |
| Duluth | | cancel your policy at any time. | | |
