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| Overland Park | | Why not take advantage of current | | Accident Year Experience: Measures |
| Asheville | | low prices? Many auto insurance | | premiums and losses relating to |
| Greeley | | consumers are becoming educated | | accidents which occurred during a |
| Hollywood | | on other companies, plans, and rates | | 12-month period. |
| San Bernardino | | that are available to them; ones that | | |
| Stamford | | could afford them significant savings | | Commercial Lines: This term is used |
| Redlands | | on their auto insurance. | | to refer to insurance for businesses, |
| Boynton Beach | | | | professionals, and commercial |
| Boise | | At InsWeb, you can compare free | | establishments. |
| Daytona Beach | | online insurance quotes from many of | | |
| Santa Clara | | the nations leading insurance | | Earned Income: The money |
| Arlington | | companies. | | individuals earn as a result of working |
| Aurora | | | | at some job or occupation for which |
| Torrance | | People who are trying to quit | | they are paid a salary. |
| Slidell | | smoking, for example, might be best | | |
| West Chester | | suited purchasing a shorter term (and | | Operating Expense: The expense of |
| Williamsburg | | then replacing it with a longer term | | an insurer other than commissions |
| Raleigh | | policy when they qualify for | | and taxes. Called " and Insurance |
| Newark | | non-tobacco prices). | | Expense" in the convention statement |
| Owensboro | | | | blank. |
| Norwalk | | Everyone has different needs, and | | |
| Cedar Rapids | | not one size fits all when it comes to | | Gain and Loss Exhibit: The portion of |
| Hendersonville | | term life insurance. While it may make | | the convention blank which |
| Gainesville | | sense for people in their 30s and 40s | | represents an analysis of gains, |
| Harlingen | | to secure a 20-year term length, a | | losses, and surplus during an |
| Garland | | 10-year term might be more | | accounting period. |
| Kansas City | | appropriate for someone nearing | | |
| Los Angeles | | retirement. | | Mutualization: The process of |
| San Francisco | | | | converting a stock insurer to a mutual |
| Woodbridge | | Individuals who have 30-year | | insurer, accomplished by having the |
| Escondido | | mortgages might want to consider a | | insurer buy stock and retire it. |
| Saginaw | | 30-year term to ensure that the house | | |
| Athens | | is protected throughout the period of | | Stock Option Plan: Surviving |
| Conroe | | the loan. | | stockholders have the option to |
| Spokane | | | | purchase or not purchase the shares |
| Pasadena | | | | of a deceased stockholder. |
