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| Turlock | | Individuals who have 30-year | | Shock Loss: A catastrophic loss so |
| Tucson | | mortgages might want to consider a | | large that it has a material effect on |
| Colorado Springs | | 30-year term to ensure that the house | | the underwriting results of a company. |
| Peoria | | is protected throughout the period of | | |
| Portland | | the loan. | | Expense Allowance: A compensation |
| Myrtle Beach | | | | paid to an insurance agent in excess |
| Cape Coral | | The best time to switch policies is | | of prescribed commissions. |
| Akron | | within one month of receiving your | | |
| Anchorage | | policy renewal from your current | | Malinger: To feign a disability for the |
| El Cajon | | insurer. You can typically cancel your | | purpose of continuing to collect |
| Toledo | | policy without any fees or penalties if | | benefits longer than actually |
| Dallas | | you act within this time period. | | necessary. |