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| Costa Mesa | | The best time to switch policies is | | Retrospective Premium: The final |
| Plano | | within one month of receiving your | | premium in a retrospective rating |
| Memphis | | policy renewal from your current | | plan. See Retrospective Rating. |
| Eugene | | insurer. You can typically cancel your | | |
| Pembroke Pines | | policy without any fees or penalties if | | Liquidity: The ability of an insurer to |
| Dubuque | | you act within this time period. | | convert its assets into cash to pay |
| Dubuque | | | | claims if necessary. |
| Phoenix | | People who are trying to quit | | |
| Littleton | | smoking, for example, might be best | | Domestic Insurer (or Company): An |
| Boise | | suited purchasing a shorter term (and | | insurer formed under the laws of the |
| Newport News | | then replacing it with a longer term | | state in which the insurance is written. |
| Glendale | | policy when they qualify for | | |
| Amarillo | | non-tobacco prices). | | Captive Agent: One who sells |
| Winter Park | | | | insurance for only one company as |
| Cedar Rapids | | We offer quotes for auto insurance, | | opposed to an agent who represents |
| Lansing | | life insurance, homeowners | | several companies. |
| Stamford | | insurance, health insurance, term life | | |
| Fayetteville | | insurance and more. | | Calendar Year Experience: This |
| Boynton Beach | | | | measures the premiums and losses |
| Slidell | | Individuals who have 30-year | | entered on accounting records during |
| Columbus | | mortgages might want to consider a | | the 12-month calendar. |
| Schaumburg | | 30-year term to ensure that the house | | |
| Philadelphia | | is protected throughout the period of | | Retail Credit Company: The former |
| Lafayette | | the loan. | | name of Equifax, a credit reporting |
| Flushing | | | | organization. See Equifax. |
| Elkhart | | Shopping around is the best way to | | |
| Torrance | | save money on your insurance. | | Admitted (or Allowed) Assets: Assets |
| Sarasota | | | | whose values are permitted by state |
| Bethlehem | | Make sure you have a new policy in | | law to be included in the annual |
| San Francisco | | place before you cancel your old one | | statement of the insurer. |
| Vineland | | to avoid a lapse in coverage. This will | | |
| Rome | | also prevent having to figure out the | | Deflation: An economic period |
| Youngstown | | amount of any unused premium that is | | characterized by falling prices, high |
| Troy | | due to you from your old insurance | | unemployment and a generally |
| Mansfield | | company, or having to spar with your | | sluggish or slow economy. |
| Monroe | | agent about exactly when your policy | | |
| Jonesboro | | was cancelled and how much they | | |
| Littleton | | owe you. | | |
