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| San Diego | | The best time to switch policies is | | Brokerage Department: A department |
| Portland | | within one month of receiving your | | of an insurer whose purpose is to |
| Anaheim | | policy renewal from your current | | deal with brokers in the placing of |
| Daytona Beach | | insurer. You can typically cancel your | | insurance. |
| San Francisco | | policy without any fees or penalties if | | |
| Daytona Beach | | you act within this time period. | | Federal Deposit Insurance |
| Jersey City | | | | Corporation (FDIC): An agency of the |
| Williamsburg | | Everyone has different needs, and | | federal government which insures |
| Gaithersburg | | not one size fits all when it comes to | | bank deposits up to a stated |
| Silver Spring | | term life insurance. While it may make | | maximum. |
| Fayetteville | | sense for people in their 30s and 40s | | |
| Florence | | to secure a 20-year term length, a | | License: A certification of authority for |
| Lansing | | 10-year term might be more | | an agent or insurer to operate, given |
| North Hollywood | | appropriate for someone nearing | | by the appropriate jurisdiction. |
| Hampton | | retirement. | | |
| Memphis | | | | Tabular Plan: A retrospective rating |
| Baton Rouge | | Individuals who have 30-year | | plan, which uses tables to furnish the |
| Hampton | | mortgages might want to consider a | | various values for the rating formula. |
| Harlingen | | 30-year term to ensure that the house | | |
| Anaheim | | is protected throughout the period of | | Convention Values: Values assigned |
| Newark | | the loan. | | to insurers' assets in the convention |
| Warren | | | | blank. |
| Decatur | | While some companies raise their | | |
| Johnson City | | prices based on your actual age, | | Substandard Risk: A risk not |
| Stockton | | most companies increase the price of | | measuring up to underwriting |
| Fredericksburg | | their policies six months before your | | standards. It may still be written but |
| Tulsa | | birthday. Its a term called Age | | usually at a surcharged premium. |
| Bloomington | | Nearest in the industry, and that | | |
| Kansas City | | half-year price increase could really | | Commission of Authority: A document |
| Long Beach | | add up over a 20-year term policy. As | | outlining the powers delegated to an |
| Bayside | | above, the quicker you purchase your | | agent by an insurer. |
| Clearwater | | policy the better. | | |
| Charleston | | | | Accident Year Experience: Measures |
| Abilene | | If you have noticed that your auto | | premiums and losses relating to |
| Cookeville | | insurance rates are still increasing | | accidents which occurred during a |
| Ocala | | with each renewal, or even have not | | 12-month period. |
| Lubbock | | gone down even though you have a | | |
| Newark | | great driving record, this lower pricing | | |
| Flint | | trend makes it more important then | | |
| Bradenton | | ever that you shop around for auto | | |
| Boulder | | insurance. | | |
