Roswell Insurance

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Lawrenceville	While some companies raise their	Claim: A demand made by the
Ann Arbor	prices based on your actual age,	insured, or the insured's beneficiary,
Modesto	most companies increase the price of	for payment of the benefits provided
Green Bay	their policies six months before your	by the contract.
Newark	birthday. Its a term called Age
Pueblo	Nearest in the industry, and that	Professional Insurance Agents
Cleveland	half-year price increase could really	Association: A trade association of
North Hollywood	add up over a 20-year term policy. As	mutual insurance agents.
Savannah	above, the quicker you purchase your
Independence	policy the better.	Brokerage Department: A department
Odessa		of an insurer whose purpose is to
Wichita Falls	Make sure you have a new policy in	deal with brokers in the placing of
Cape Coral	place before you cancel your old one	insurance.
York	to avoid a lapse in coverage. This will
Pembroke Pines	also prevent having to figure out the	Operating Expense: The expense of
Longwood	amount of any unused premium that is	an insurer other than commissions
Columbus	due to you from your old insurance	and taxes. Called " and Insurance
St. Louis	company, or having to spar with your	Expense" in the convention statement
Bay City	agent about exactly when your policy	blank.
Reading	was cancelled and how much they
High Point	owe you.	Standard Industry Code (SIC): This is
Killeen		a coding system which assigns
Manchester	Everyone has different needs, and	separate codes for different types of
Corona	not one size fits all when it comes to	industries.
Alpharetta	term life insurance. While it may make
Staten Island	sense for people in their 30s and 40s	Mutualization: The process of
Columbus	to secure a 20-year term length, a	converting a stock insurer to a mutual
Clearwater	10-year term might be more	insurer, accomplished by having the
Anchorage	appropriate for someone nearing	insurer buy stock and retire it.
Bronx	retirement.
Hemet		Minimum Premium: The smallest
Long Beach	People who are trying to quit	amount of premium for which an
Lakeland	smoking, for example, might be best	insurer will issue coverage under a
Canton	suited purchasing a shorter term (and	given policy.
Walnut Creek	then replacing it with a longer term
Charlotte	policy when they qualify for
Santa Monica	non-tobacco prices).