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| Milwaukee | | While some companies raise their | | Paid-In Surplus: Surplus paid in by |
| Vineland | | prices based on your actual age, | | stockholders, as contrasted with |
| Milwaukee | | most companies increase the price of | | surplus earned through the |
| Harlingen | | their policies six months before your | | operations of a business. |
| Cape Coral | | birthday. Its a term called Age | | |
| Alexandria | | Nearest in the industry, and that | | Indemnity: Restoration to the victim of |
| Troy | | half-year price increase could really | | a loss by payment, repair, or |
| Jasper | | add up over a 20-year term policy. As | | replacement. |
| Midland | | above, the quicker you purchase your | | |
| Trenton | | policy the better. | | Tabular Plan: A retrospective rating |
| Roanoke | | | | plan, which uses tables to furnish the |
| Worcester | | Life insurance, specifically Term Life, | | various values for the rating formula. |
| Sacramento | | is arguably one of the best values in | | |
| Sterling Heights | | the entire financial services arena. | | Not Taken: Policies applied for and |
| Portland | | Where else can you go and get | | issued but rejected by the proposed |
| Greensboro | | hundreds of thousands of dollars in | | owner and not paid for. |
| Warren | | protection for literally pennies per | | |
| Milwaukee | | day? Rates for Term Life insurance | | Commingling: An illegal practice |
| Chattanooga | | remain at all-time lows, and now is the | | which occurs when an agent mixes |
| Corona | | time to lock in the best prices. | | personal funds with the insured's or |
| Worcester | | | | insurer's funds. |
| Quincy | | We offer quotes for auto insurance, | | |
| Waco | | life insurance, homeowners | | Authorized Insurer: An insurer |
| Glendale | | insurance, health insurance, term life | | authorized by the state to transact |
| Alexandria | | insurance and more. | | business in that state for specific |
| Midland | | | | types of insurance. |
| Boston | | Make sure you have a new policy in | | |
| Lima | | place before you cancel your old one | | Fiduciary: A person holding the funds |
| Pittsburgh | | to avoid a lapse in coverage. This will | | or property of another in a position of |
| Zanesville | | also prevent having to figure out the | | trust. An example would be the |
| Schenectady | | amount of any unused premium that is | | executor of an estate. |
| Palm Harbor | | due to you from your old insurance | | |
| South Bend | | company, or having to spar with your | | Federal Deposit Insurance |
| South Bend | | agent about exactly when your policy | | Corporation (FDIC): An agency of the |
| Decatur | | was cancelled and how much they | | federal government which insures |
| Pompano Beach | | owe you. | | bank deposits up to a stated |
| Rapid City | | | | maximum. |
