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| Chula Vista | | While some companies raise their | | Policy Anniversary: The anniversary |
| Cambridge | | prices based on your actual age, | | of the date of issue of a policy as |
| Sunnyvale | | most companies increase the price of | | shown in the policy declarations. |
| Fremont | | their policies six months before your | | |
| Longmont | | birthday. Its a term called Age | | Indemnity: Restoration to the victim of |
| Syracuse | | Nearest in the industry, and that | | a loss by payment, repair, or |
| North Hollywood | | half-year price increase could really | | replacement. |
| Pompano Beach | | add up over a 20-year term policy. As | | |
| Shreveport | | above, the quicker you purchase your | | Initial Premium: An amount paid at the |
| Pensacola | | policy the better. | | inception of an insurance contract, |
| Stamford | | | | usually subject to adjustment at the |
| Plano | | Shopping around is the best way to | | end of the policy period. |
| Arlington | | save money on your insurance. | | |
| Columbus | | | | Approved: The condition which exists |
| Las Vegas | | Why not take advantage of current | | when the person or object to be |
| Arlington | | low prices? Many auto insurance | | insured meets the underwriting |
| Littleton | | consumers are becoming educated | | standards of the insurer. |
| Texarkana | | on other companies, plans, and rates | | |
| Acworth | | that are available to them; ones that | | Malinger: To feign a disability for the |
| Jackson | | could afford them significant savings | | purpose of continuing to collect |
| Billings | | on their auto insurance. | | benefits longer than actually |
| Irving | | | | necessary. |
| Ann Arbor | | Healthy people have the best | | |
| Newport Beach | | mortality risks and thus are much | | Gross Premium: The net premium |
| Independence | | cheaper for companies to insure. This | | plus operating expenses, |
| Nashville | | translates into lower rates for the | | commissions and other expenses. |
| Cranston | | Super Preferred customer than | | |
| Newark | | someone with higher risk factors such | | Accident: An unplanned event, |
| Corpus Christi | | as a heart condition, cancer or | | unexpected and undesigned, which |
| Decatur | | diabetes. Conversely, if you were | | occurs suddenly and at a definite |
| Muskegon | | unhealthy when you acquired your | | place. |
| Franklin | | policy, and your health has now | | |
| Overland Park | | improved, it might be time to shop for | | Mandatory Valuation Reserve: A |
| Goldsboro | | a new policy, as your rates are likely | | reserve required by a state law to |
| Reno | | to be lower. | | offset any declines in the valuation of |
| Delray Beach | | | | securities listed as admitted assets. |
