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| Gulfport | | Healthy people have the best | | Liquidity: The ability of an insurer to |
| Honolulu | | mortality risks and thus are much | | convert its assets into cash to pay |
| Ann Arbor | | cheaper for companies to insure. This | | claims if necessary. |
| Riverside | | translates into lower rates for the | | |
| Rapid City | | Super Preferred customer than | | Premises: The particular location of |
| Frederick | | someone with higher risk factors such | | property or a portion thereof as |
| Delray Beach | | as a heart condition, cancer or | | designated in a policy. |
| Topeka | | diabetes. Conversely, if you were | | |
| Pasadena | | unhealthy when you acquired your | | Renewal: The reestablishment of the |
| Lowell | | policy, and your health has now | | in-force status of a policy, the term of |
| Dayton | | improved, it might be time to shop for | | which has expired or will expire |
| Myrtle Beach | | a new policy, as your rates are likely | | unless it is renewed. |
| Lincoln | | to be lower. | | |
| Salt Lake City | | | | Stock Option Plan: Surviving |
| Gulfport | | Individuals who have 30-year | | stockholders have the option to |
| Green Bay | | mortgages might want to consider a | | purchase or not purchase the shares |
| Spring Hill | | 30-year term to ensure that the house | | of a deceased stockholder. |
| Pembroke Pines | | is protected throughout the period of | | |
| Decatur | | the loan. | | Notice To Company: Written notice to |
| Union | | | | an insurer of the occurrence of an |
| Mesa | | The best time to switch policies is | | event which a claim is to be based. |
| Lubbock | | within one month of receiving your | | |
| Springfield | | policy renewal from your current | | Policy Period (or Term): The period |
| Baton Rouge | | insurer. You can typically cancel your | | during which the policy contract |
| Fort Myers | | policy without any fees or penalties if | | affords protection, e.g., six months or |
| Florence | | you act within this time period. | | one or three years. |