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| Johnstown | | If you decide to cancel your policy | | Malinger: To feign a disability for the |
| Minneapolis | | (after acquiring new coverage) | | purpose of continuing to collect |
| Monroe | | outside of the 30-day period, you may | | benefits longer than actually |
| Bay City | | have to pay a fee or penalty. | | necessary. |
| Lexington | | However, you may still save money | | |
| Hickory | | after paying the fee if your new policy | | Exclusion: A contractual provision that |
| Lafayette | | affords you significant savings. So | | denies coverage for certain perils, |
| Saginaw | | while it is best to wait until your | | persons, property, or locations. |
| Glendale | | receive your renewal notice, you CAN | | |
| Fredericksburg | | cancel your policy at any time. | | Admitted (or Allowed) Assets: Assets |
| El Paso | | | | whose values are permitted by state |
| Long Island City | | Individuals who have 30-year | | law to be included in the annual |
| Los Angeles | | mortgages might want to consider a | | statement of the insurer. |
| Winter Park | | 30-year term to ensure that the house | | |
| Durham | | is protected throughout the period of | | Provisions: Statements contained in |
| Salem | | the loan. | | an insurance policy which explain the |
| Durham | | | | benefits, conditions and other |
| Long Island City | | If you have noticed that your auto | | features of the insurance contract. |
| St. Louis | | insurance rates are still increasing | | |
| Denver | | with each renewal, or even have not | | Preferred Risk: Any risk considered |
| Baltimore | | gone down even though you have a | | to be better than the standard risk on |
| Eugene | | great driving record, this lower pricing | | which the premium rate was |
| Torrance | | trend makes it more important then | | calculated. |
| Bayside | | ever that you shop around for auto | | |
| Boulder | | insurance. | | Burning Ratio: The ratio of losses |
| Coral Springs | | | | suffered to the amount of insurance in |
| Los Angeles | | Everyone has different needs, and | | effect. |
| Vero Beach | | not one size fits all when it comes to | | |
| Boynton Beach | | term life insurance. While it may make | | Loss Adjustment Expense: The cost |
| Minneapolis | | sense for people in their 30s and 40s | | of adjusting losses, excluding the |
| Dubuque | | to secure a 20-year term length, a | | amount of the loss itself. |
| Eugene | | 10-year term might be more | | |
| Ventura | | appropriate for someone nearing | | American Risk and Insurance |
| Alexandria | | retirement. | | Association: An association of |
| Edmond | | | | insurance educators and others |
| Cedar Rapids | | | | interested in insurance study and |
| Waterloo | | | | research. |
