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| Grand Rapids | | Healthy people have the best | | Partnership Entity: The partnership |
| Fort Lauderdale | | mortality risks and thus are much | | considered as an entity and not in |
| Roanoke | | cheaper for companies to insure. This | | terms of its individual part-owners. |
| Fayetteville | | translates into lower rates for the | | |
| Bay City | | Super Preferred customer than | | Valuation Clause: A clause stating the |
| Cedar Rapids | | someone with higher risk factors such | | value of items for insurance |
| Acworth | | as a heart condition, cancer or | | purposes, making it a valued policy. |
| Trenton | | diabetes. Conversely, if you were | | |
| Longwood | | unhealthy when you acquired your | | Accidental Bodily Injury: An injury |
| Cleveland | | policy, and your health has now | | sustained accidentally. Only the result |
| Louisville | | improved, it might be time to shop for | | need be accidental. Contrast with |
| Denton | | a new policy, as your rates are likely | | Accidental Means. |
| New Orleans | | to be lower. | | |
| Colorado Springs | | | | Endorsement: A written or printed form |
| Miami | | Everyone has different needs, and | | attached to the policy which alters |
| Jonesboro | | not one size fits all when it comes to | | provisions of the contract. |
| Dallas | | term life insurance. While it may make | | |
| Billings | | sense for people in their 30s and 40s | | Overlapping Insurance: Coverage |
| Springfield | | to secure a 20-year term length, a | | from two or more policies or insurers |
| Texarkana | | 10-year term might be more | | which duplicates coverage of certain |
| Cambridge | | appropriate for someone nearing | | risks. |
| West Chester | | retirement. | | |
| Edison | | | | Lloyd's Broker: A person who has the |
| Naples | | If you decide to cancel your policy | | authority to negotiate insurance |
| Orlando | | (after acquiring new coverage) | | contracts with the underwriters on the |
| Mansfield | | outside of the 30-day period, you may | | floor at Lloyd's. |
| Aurora | | have to pay a fee or penalty. | | |
| New Port Richey | | However, you may still save money | | Deflation: An economic period |
| Quincy | | after paying the fee if your new policy | | characterized by falling prices, high |
| Racine | | affords you significant savings. So | | unemployment and a generally |
| West Palm Beach | | while it is best to wait until your | | sluggish or slow economy. |
| Amarillo | | receive your renewal notice, you CAN | | |
| New Port Richey | | cancel your policy at any time. | | Society of Insurance Research: An |
| Marietta | | | | organization which encourages |
| Norwalk | | | | insurance research and promotes the |
| Aurora | | | | exchange of ideas and methods of |
| Dearborn | | | | research. |
