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| Pembroke Pines | | While some companies raise their | | Preferred Risk: Any risk considered |
| Columbia | | prices based on your actual age, | | to be better than the standard risk on |
| Little Rock | | most companies increase the price of | | which the premium rate was |
| Vero Beach | | their policies six months before your | | calculated. |
| Oxnard | | birthday. Its a term called Age | | |
| Houma | | Nearest in the industry, and that | | Provisions: Statements contained in |
| Lawrenceville | | half-year price increase could really | | an insurance policy which explain the |
| Durham | | add up over a 20-year term policy. As | | benefits, conditions and other |
| White Plains | | above, the quicker you purchase your | | features of the insurance contract. |
| Flushing | | policy the better. | | |
| Las Cruces | | | | Exclusion: A contractual provision that |
| Columbia | | We offer quotes for auto insurance, | | denies coverage for certain perils, |
| St. Louis | | life insurance, homeowners | | persons, property, or locations. |
| Raleigh | | insurance, health insurance, term life | | |
| Lima | | insurance and more. | | Policy Anniversary: The anniversary |
| Long Beach | | | | of the date of issue of a policy as |
| Salt Lake City | | Everyone has different needs, and | | shown in the policy declarations. |
| Asheville | | not one size fits all when it comes to | | |
| Hot Springs | | term life insurance. While it may make | | Interstate Carrier: A transportation |
| Escondido | | sense for people in their 30s and 40s | | company which does business |
| Warwick | | to secure a 20-year term length, a | | across state lines. |
| Vero Beach | | 10-year term might be more | | |
| Walnut Creek | | appropriate for someone nearing | | Mandatory Valuation Reserve: A |
| Toledo | | retirement. | | reserve required by a state law to |
| Santa Rosa | | | | offset any declines in the valuation of |
| Melbourne | | People who are trying to quit | | securities listed as admitted assets. |
| Lorain | | smoking, for example, might be best | | |
| Birmingham | | suited purchasing a shorter term (and | | Insurance Policy: The printed form |
| Boston | | then replacing it with a longer term | | which serves as the contract between |
| Lexington | | policy when they qualify for | | an insurer and an insured. |
| Scottsdale | | non-tobacco prices). | | |
| El Cajon | | | | Domestic Insurer (or Company): An |
| Cleveland | | Make sure you have a new policy in | | insurer formed under the laws of the |
| Riverside | | place before you cancel your old one | | state in which the insurance is written. |
| Sumter | | to avoid a lapse in coverage. This will | | |
| Whittier | | also prevent having to figure out the | | |
| Birmingham | | amount of any unused premium that is | | |
| Erie | | due to you from your old insurance | | |
| Poughkeepsie | | company, or having to spar with your | | |
| Lawton | | agent about exactly when your policy | | |
| Santa Ana | | was cancelled and how much they | | |
| Vero Beach | | owe you. | | |
