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| Fullerton | | Healthy people have the best | | Theory of Probability: The |
| Orlando | | mortality risks and thus are much | | mathematical principle upon which |
| St. Louis | | cheaper for companies to insure. This | | insurance is based. |
| Pembroke Pines | | translates into lower rates for the | | |
| Abilene | | Super Preferred customer than | | Coding: A method of putting |
| Billings | | someone with higher risk factors such | | information into a numerical form for |
| Lubbock | | as a heart condition, cancer or | | statistical use. Most information on |
| Madison | | diabetes. Conversely, if you were | | policies is coded and then put into |
| Jackson | | unhealthy when you acquired your | | reports. |
| Schaumburg | | policy, and your health has now | | |
| El Paso | | improved, it might be time to shop for | | Losses Outstanding: A summary |
| Malden | | a new policy, as your rates are likely | | statement prepared by Property, Life, |
| Inglewood | | to be lower. | | and Liability insurers showing claims |
| Conroe | | | | not yet settled. |
| Joliet | | The quickest and easiest way to | | |
| Costa Mesa | | shop for new insurance is by | | Mandatory Valuation Reserve: A |
| Greenville | | comparing rates at InsWebs online | | reserve required by a state law to |
| Wilmington | | marketplace. If you do it the | | offset any declines in the valuation of |
| Longmont | | old-fashioned way (by calling or | | securities listed as admitted assets. |
| Indianapolis | | visiting multiple agents or insurance | | |
| Stamford | | companies) it could take up a huge | | Agent's License: A certificate of |
| Manchester | | chunk of your time, which no one | | authority from the state which permits |
| Peoria | | wants or needs. By completing | | the agent to conduct business. |
| Gulfport | | InsWebs online application, you will | | |
| Norwalk | | have rates to compare to your old | | Inspection: Independent checking on |
| Greensboro | | ones within minutes! | | facts about an applicant, |
| Rome | | | | policyholder, or claimant, usually by a |
| Lakewood | | While some companies raise their | | commercial inspection agency. |
| Sarasota | | prices based on your actual age, | | |
| Monroe | | most companies increase the price of | | Borderline Risk: An insurance |
| Stamford | | their policies six months before your | | prospect of doubtful quality from an |
| Austin | | birthday. Its a term called Age | | underwriting point of view. |
| Fredericksburg | | Nearest in the industry, and that | | |
| Naples | | half-year price increase could really | | License: A certification of authority for |
| Santa Rosa | | add up over a 20-year term policy. As | | an agent or insurer to operate, given |
| Nashua | | above, the quicker you purchase your | | by the appropriate jurisdiction. |
| Council Bluffs | | policy the better. | | |