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| Bakersfield | | Life insurance, specifically Term Life, | | Mandatory Valuation Reserve: A |
| Chula Vista | | is arguably one of the best values in | | reserve required by a state law to |
| Newport Beach | | the entire financial services arena. | | offset any declines in the valuation of |
| Coral Springs | | Where else can you go and get | | securities listed as admitted assets. |
| Flushing | | hundreds of thousands of dollars in | | |
| Oakland | | protection for literally pennies per | | Endorsement: A written or printed form |
| Newport Beach | | day? Rates for Term Life insurance | | attached to the policy which alters |
| Long Island City | | remain at all-time lows, and now is the | | provisions of the contract. |
| Glendale | | time to lock in the best prices. | | |
| Vero Beach | | | | United States Aircraft Insurance |
| Toms River | | While some companies raise their | | Group: A group of insurers providing |
| Lexington | | prices based on your actual age, | | facilities for all forms of Aviation |
| Austin | | most companies increase the price of | | Insurance. |
| Yuma | | their policies six months before your | | |
| Turlock | | birthday. Its a term called Age | | Index Bureau Experience: A measure |
| Alpharetta | | Nearest in the industry, and that | | of losses relating to claims reported |
| Fort Wayne | | half-year price increase could really | | through a claim office during a |
| Virginia Beach | | add up over a 20-year term policy. As | | 12-month period. |
| Raleigh | | above, the quicker you purchase your | | |
| Detroit | | policy the better. | | Retrospective Premium: The final |
| Torrance | | | | premium in a retrospective rating |
| Macon | | Make sure you have a new policy in | | plan. See Retrospective Rating. |
| Fremont | | place before you cancel your old one | | |
| Portland | | to avoid a lapse in coverage. This will | | Gain and Loss Exhibit: The portion of |
| Newburgh | | also prevent having to figure out the | | the convention blank which |
| Reading | | amount of any unused premium that is | | represents an analysis of gains, |
| Metairie | | due to you from your old insurance | | losses, and surplus during an |
| Turlock | | company, or having to spar with your | | accounting period. |
| Columbus | | agent about exactly when your policy | | |
| Hendersonville | | was cancelled and how much they | | Legislative Risk: A risk faced by |
| Cambridge | | owe you. | | investors whereby changes in tax |
| Monroe | | | | laws can result in adverse effects on |
| Union | | Shopping around is the best way to | | the individual's investment results. |
| Poughkeepsie | | save money on your insurance. | | |
