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| Spartanburg | | Healthy people have the best | | Interline Endorsement: Commercial |
| Dayton | | mortality risks and thus are much | | endorsements that apply, or could |
| Baton Rouge | | cheaper for companies to insure. This | | apply, to more than one coverage |
| Downey | | translates into lower rates for the | | part of a package policy. |
| Allentown | | Super Preferred customer than | | |
| Wilmington | | someone with higher risk factors such | | Provisional Rate: Tentative rates, |
| Baton Rouge | | as a heart condition, cancer or | | premiums or commissions that are |
| Santa Monica | | diabetes. Conversely, if you were | | subject to subsequent adjustment. |
| Lubbock | | unhealthy when you acquired your | | See Commission and Premium. |
| Sterling Heights | | policy, and your health has now | | |
| Dayton | | improved, it might be time to shop for | | Level Commission System: A system |
| Bloomington | | a new policy, as your rates are likely | | of commissions in which the first year |
| Troy | | to be lower. | | and all renewal commissions are the |
| Houston | | | | same percentage of the premium. |
| Anderson | | The quickest and easiest way to | | |
| Santa Monica | | shop for new insurance is by | | Equity: The money value of an |
| Cleveland | | comparing rates at InsWebs online | | insurance company that is over and |
| Lawton | | marketplace. If you do it the | | above its liabilities. Liabilities include |
| Downey | | old-fashioned way (by calling or | | almost all of its reserves. |
| Minneapolis | | visiting multiple agents or insurance | | |
| Cranston | | companies) it could take up a huge | | Capital Sum: The maximum lump sum |
| Yonkers | | chunk of your time, which no one | | payable in the event of accidental |
| Norfolk | | wants or needs. By completing | | death or dismemberment. |
| Hampton | | InsWebs online application, you will | | |
| Fredericksburg | | have rates to compare to your old | | Losses Incurred: The total losses, |
| Palo Alto | | ones within minutes! | | whether paid or not, sustained by an |
| Lakeland | | | | insurer during a given period, e.g., 12 |
| Lafayette | | Individuals who have 30-year | | months. |
| Jackson | | mortgages might want to consider a | | |
| Dearborn | | 30-year term to ensure that the house | | American Risk and Insurance |
| Hendersonville | | is protected throughout the period of | | Association: An association of |
| Pueblo | | the loan. | | insurance educators and others |
| Palm Desert | | | | interested in insurance study and |
| Albany | | Make sure you have a new policy in | | research. |
| Honolulu | | place before you cancel your old one | | |
| San Jose | | to avoid a lapse in coverage. This will | | |
| Jasper | | also prevent having to figure out the | | |
| Quincy | | amount of any unused premium that is | | |
| Baltimore | | due to you from your old insurance | | |
| Arlington | | company, or having to spar with your | | |
| Fayetteville | | agent about exactly when your policy | | |
| Las Cruces | | was cancelled and how much they | | |
| Tampa | | owe you. | | |
