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| Dearborn | | Shopping around is the best way to | | Paid-In Surplus: Surplus paid in by |
| Boca Raton | | save money on your insurance. | | stockholders, as contrasted with |
| Cambridge | | | | surplus earned through the |
| Escondido | | While some companies raise their | | operations of a business. |
| Palm Desert | | prices based on your actual age, | | |
| Warwick | | most companies increase the price of | | Liquidity: The ability of an insurer to |
| Hemet | | their policies six months before your | | convert its assets into cash to pay |
| Longwood | | birthday. Its a term called Age | | claims if necessary. |
| Lake Worth | | Nearest in the industry, and that | | |
| Winter Park | | half-year price increase could really | | Commingling: An illegal practice |
| Naperville | | add up over a 20-year term policy. As | | which occurs when an agent mixes |
| Cambridge | | above, the quicker you purchase your | | personal funds with the insured's or |
| Milwaukee | | policy the better. | | insurer's funds. |