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| Akron | | Individuals who have 30-year | | Sole Proprietorship: A business |
| Springfield | | mortgages might want to consider a | | enterprise owned by one person who |
| Glendale | | 30-year term to ensure that the house | | is its manager and employee. |
| Hartford | | is protected throughout the period of | | |
| Irvine | | the loan. | | Insurance Examiner: The |
| Redlands | | | | representative of a state insurance |
| Kingsport | | The best time to switch policies is | | department assigned to participate in |
| Arlington | | within one month of receiving your | | the official audit and examination of |
| Jackson | | policy renewal from your current | | an insurer. |
| Amarillo | | insurer. You can typically cancel your | | |
| Daytona Beach | | policy without any fees or penalties if | | Agent's License: A certificate of |
| Albuquerque | | you act within this time period. | | authority from the state which permits |
| Decatur | | | | the agent to conduct business. |
| Charleston | | Healthy people have the best | | |
| Eugene | | mortality risks and thus are much | | Net Interest Earned: The average |
| Williamsburg | | cheaper for companies to insure. This | | interest earned by an insurer on its |
| Anchorage | | translates into lower rates for the | | investments after investment expense |
| Waterloo | | Super Preferred customer than | | but before federal income taxes. |
| Jacksonville | | someone with higher risk factors such | | |
| Palo Alto | | as a heart condition, cancer or | | Exclusion: A contractual provision that |
| Evansville | | diabetes. Conversely, if you were | | denies coverage for certain perils, |
| Raleigh | | unhealthy when you acquired your | | persons, property, or locations. |
| Boynton Beach | | policy, and your health has now | | |
| St. Louis | | improved, it might be time to shop for | | Index Bureau Experience: A measure |
| Jacksonville | | a new policy, as your rates are likely | | of losses relating to claims reported |
| Davenport | | to be lower. | | through a claim office during a |
| Grand Junction | | | | 12-month period. |
| Lafayette | | Shopping around is the best way to | | |
| Lake Worth | | save money on your insurance. | | Fictitious Groups: Groups formed |
| Bethlehem | | | | primarily for the purpose of buying |
| Bronx | | While some companies raise their | | insurance. Under the law such groups |
| Greeley | | prices based on your actual age, | | may not be underwritten. |
| Lansing | | most companies increase the price of | | |
| Akron | | their policies six months before your | | Approved: The condition which exists |
| San Bernardino | | birthday. Its a term called Age | | when the person or object to be |
| Huntington Beach | | Nearest in the industry, and that | | insured meets the underwriting |
| Pueblo | | half-year price increase could really | | standards of the insurer. |
| Toms River | | add up over a 20-year term policy. As | | |
| Cookeville | | above, the quicker you purchase your | | |
| Charlotte | | policy the better. | | |
