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| Sacramento | | Healthy people have the best | | Legislative Risk: A risk faced by |
| Spring Hill | | mortality risks and thus are much | | investors whereby changes in tax |
| Boulder | | cheaper for companies to insure. This | | laws can result in adverse effects on |
| Salem | | translates into lower rates for the | | the individual's investment results. |
| Hot Springs | | Super Preferred customer than | | |
| Macon | | someone with higher risk factors such | | Professional Insurance Agents |
| New Orleans | | as a heart condition, cancer or | | Association: A trade association of |
| Texarkana | | diabetes. Conversely, if you were | | mutual insurance agents. |
| Florence | | unhealthy when you acquired your | | |
| Odessa | | policy, and your health has now | | Amendment: A formal document |
| Long Beach | | improved, it might be time to shop for | | which corrects or revises an |
| Charleston | | a new policy, as your rates are likely | | insurance master policy. |
| Boca Raton | | to be lower. | | |
| West Palm Beach | | | | Brokerage Business: Business |
| Malden | | Why not take advantage of current | | offered to an insurer by a broker. This |
| Indianapolis | | low prices? Many auto insurance | | is sometimes called excess or |
| Richmond | | consumers are becoming educated | | surplus business. |
| Long Beach | | on other companies, plans, and rates | | |
| Santa Monica | | that are available to them; ones that | | Provisions: Statements contained in |
| Woodbridge | | could afford them significant savings | | an insurance policy which explain the |
| Cookeville | | on their auto insurance. | | benefits, conditions and other |
| Fort Worth | | | | features of the insurance contract. |
| Rome | | While some companies raise their | | |
| Hollywood | | prices based on your actual age, | | Net Retention: The amount of |
| Wichita Falls | | most companies increase the price of | | insurance that a ceding company |
| Oklahoma City | | their policies six months before your | | keeps for its own account and does |
| Springfield | | birthday. Its a term called Age | | not reinsure. |
| Vineland | | Nearest in the industry, and that | | |
| Yuma | | half-year price increase could really | | Deflation: An economic period |
| Topeka | | add up over a 20-year term policy. As | | characterized by falling prices, high |
| Escondido | | above, the quicker you purchase your | | unemployment and a generally |
| Fall River | | policy the better. | | sluggish or slow economy. |
