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| Chicago | | Shopping around is the best way to | | Short-Term Policy: A policy written for |
| Huntington | | save money on your insurance. | | a period of less time than is normal for |
| Springfield | | | | that type of policy. |
| Springfield | | While some companies raise their | | |
| Winter Haven | | prices based on your actual age, | | Lloyd's Broker: A person who has the |
| Ocala | | most companies increase the price of | | authority to negotiate insurance |
| Acworth | | their policies six months before your | | contracts with the underwriters on the |
| Lexington | | birthday. Its a term called Age | | floor at Lloyd's. |
| Southfield | | Nearest in the industry, and that | | |
| Spartanburg | | half-year price increase could really | | Net Interest Earned: The average |
| Lawrenceville | | add up over a 20-year term policy. As | | interest earned by an insurer on its |
| Scranton | | above, the quicker you purchase your | | investments after investment expense |
| Sterling Heights | | policy the better. | | but before federal income taxes. |