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| Kansas City | | Healthy people have the best | | Operating Expense: The expense of |
| Oakland | | mortality risks and thus are much | | an insurer other than commissions |
| Gaithersburg | | cheaper for companies to insure. This | | and taxes. Called " and Insurance |
| Phoenix | | translates into lower rates for the | | Expense" in the convention statement |
| Dothan | | Super Preferred customer than | | blank. |
| Lakeland | | someone with higher risk factors such | | |
| Frederick | | as a heart condition, cancer or | | Lloyd's Broker: A person who has the |
| El Cajon | | diabetes. Conversely, if you were | | authority to negotiate insurance |
| Memphis | | unhealthy when you acquired your | | contracts with the underwriters on the |
| Evanston | | policy, and your health has now | | floor at Lloyd's. |
| Irving | | improved, it might be time to shop for | | |
| Columbus | | a new policy, as your rates are likely | | Absolute Assignment: Assignment by |
| Tallahassee | | to be lower. | | a policy owner of all control of and |
| Orange Park | | | | rights in the policy to a third party. |
| Littleton | | Life insurance, specifically Term Life, | | |
| Cherry Hill | | is arguably one of the best values in | | Effective Date: The date on which the |
| Boulder | | the entire financial services arena. | | protection of an insurance policy or |
| Denver | | Where else can you go and get | | bond goes into effect. |
| Whittier | | hundreds of thousands of dollars in | | |
| Stuart | | protection for literally pennies per | | Agent's Balance: A periodic |
| Cookeville | | day? Rates for Term Life insurance | | statement of the sums due and owed |
| Panama City | | remain at all-time lows, and now is the | | to an agent under the agent's contract |
| Salt Lake City | | time to lock in the best prices. | | with an insurer. |