| | | | |
|
| San Antonio | | The best time to switch policies is | | Gross Line: The total limit accepted |
| Zanesville | | within one month of receiving your | | by an insurer on an individual risk, |
| Richmond | | policy renewal from your current | | including the amount to be reinsured. |
| Valdosta | | insurer. You can typically cancel your | | |
| Springfield | | policy without any fees or penalties if | | Operating Expense: The expense of |
| Salem | | you act within this time period. | | an insurer other than commissions |
| Alexandria | | | | and taxes. Called " and Insurance |
| Baton Rouge | | While some companies raise their | | Expense" in the convention statement |
| Glendale | | prices based on your actual age, | | blank. |
| Huntington Beach | | most companies increase the price of | | |
| Warren | | their policies six months before your | | Borderline Risk: An insurance |
| Duluth | | birthday. Its a term called Age | | prospect of doubtful quality from an |
| Berkeley | | Nearest in the industry, and that | | underwriting point of view. |
| Grand Rapids | | half-year price increase could really | | |
| Columbia | | add up over a 20-year term policy. As | | Agency Company: An insurance |
| Fayetteville | | above, the quicker you purchase your | | company that produces business |
| Frederick | | policy the better. | | through an agency network. Contrast |
| Nashville | | | | with Direct Writer. |
| Olympia | | Healthy people have the best | | |
| Tyler | | mortality risks and thus are much | | Deflation: An economic period |
| Flint | | cheaper for companies to insure. This | | characterized by falling prices, high |
| Tuscaloosa | | translates into lower rates for the | | unemployment and a generally |
| Kingsport | | Super Preferred customer than | | sluggish or slow economy. |
| Lafayette | | someone with higher risk factors such | | |
| Palm Desert | | as a heart condition, cancer or | | Other Insurance: The existence of |
| Warwick | | diabetes. Conversely, if you were | | other contracts covering the same |
| Johnstown | | unhealthy when you acquired your | | interest and perils. |
| Anaheim | | policy, and your health has now | | |
| Carlsbad | | improved, it might be time to shop for | | Retail Credit Company: The former |
| Schenectady | | a new policy, as your rates are likely | | name of Equifax, a credit reporting |
| Biloxi | | to be lower. | | organization. See Equifax. |
