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| Boulder | | Make sure you have a new policy in | | War Risk Insurance: Insurance |
| Westbury | | place before you cancel your old one | | covering damage caused by war. |
| Arlington | | to avoid a lapse in coverage. This will | | Most often written by Ocean Marine |
| San Jose | | also prevent having to figure out the | | Insurance companies covering |
| Poughkeepsie | | amount of any unused premium that is | | vessels. |
| Lowell | | due to you from your old insurance | | |
| Naperville | | company, or having to spar with your | | Policywriting Agent: An agent who has |
| Palo Alto | | agent about exactly when your policy | | the authority to prepare and effect an |
| Dayton | | was cancelled and how much they | | insurer's policy. |
| Acworth | | owe you. | | |
| Plano | | | | Agent's Qualification Law: Education, |
| Montgomery | | The best time to switch policies is | | experience, and other requirements |
| Grand Junction | | within one month of receiving your | | imposed by the state upon persons |
| Scranton | | policy renewal from your current | | desiring to be licensed as agents. |
| Coral Springs | | insurer. You can typically cancel your | | |
| Beaumont | | policy without any fees or penalties if | | Sole Proprietorship: A business |
| Lakewood | | you act within this time period. | | enterprise owned by one person who |
| Detroit | | | | is its manager and employee. |
| Torrance | | Healthy people have the best | | |
| Cranston | | mortality risks and thus are much | | Agent's Balance: A periodic |
| Cincinnati | | cheaper for companies to insure. This | | statement of the sums due and owed |
| Dubuque | | translates into lower rates for the | | to an agent under the agent's contract |
| Kalamazoo | | Super Preferred customer than | | with an insurer. |
| Columbus | | someone with higher risk factors such | | |
| Bethlehem | | as a heart condition, cancer or | | Legislative Risk: A risk faced by |
| Lima | | diabetes. Conversely, if you were | | investors whereby changes in tax |
| Texarkana | | unhealthy when you acquired your | | laws can result in adverse effects on |
| Hemet | | policy, and your health has now | | the individual's investment results. |
| Davenport | | improved, it might be time to shop for | | |
| Clarksville | | a new policy, as your rates are likely | | Gain and Loss Exhibit: The portion of |
| Orlando | | to be lower. | | the convention blank which |
| Biloxi | | | | represents an analysis of gains, |
| Arlington | | Everyone has different needs, and | | losses, and surplus during an |
| Fort Lauderdale | | not one size fits all when it comes to | | accounting period. |
| Stuart | | term life insurance. While it may make | | |
| Ventura | | sense for people in their 30s and 40s | | |
| Sacramento | | to secure a 20-year term length, a | | |
| Raleigh | | 10-year term might be more | | |
| Pasadena | | appropriate for someone nearing | | |
| Muncie | | retirement. | | |
