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| Pompano Beach | | People who are trying to quit | | Loss Frequency: The number of times |
| Westbury | | smoking, for example, might be best | | a loss occurs over a specific period |
| Hattiesburg | | suited purchasing a shorter term (and | | of time. |
| Muncie | | then replacing it with a longer term | | |
| Chattanooga | | policy when they qualify for | | Other Insurance: The existence of |
| Alameda | | non-tobacco prices). | | other contracts covering the same |
| Lima | | | | interest and perils. |
| Glendale | | The quickest and easiest way to | | |
| Pompano Beach | | shop for new insurance is by | | Buy-Back" Deductible: A deductible |
| Gainesville | | comparing rates at InsWebs online | | which may be eliminated for an |
| Trenton | | marketplace. If you do it the | | additional premium in order to |
| Fort Lauderdale | | old-fashioned way (by calling or | | provide "first-dollar" coverage. |
| Bayside | | visiting multiple agents or insurance | | |
| Fort Worth | | companies) it could take up a huge | | Book Value: Refers to the value of |
| Longwood | | chunk of your time, which no one | | assets as shown in the official |
| Melbourne | | wants or needs. By completing | | accounting records of the company. |
| Durham | | InsWebs online application, you will | | |
| Chesapeake | | have rates to compare to your old | | Mandatory Valuation Reserve: A |
| Metairie | | ones within minutes! | | reserve required by a state law to |
| Salem | | | | offset any declines in the valuation of |
| Glendale | | If you decide to cancel your policy | | securities listed as admitted assets. |
| Shreveport | | (after acquiring new coverage) | | |
| Dearborn | | outside of the 30-day period, you may | | Liquidity: The ability of an insurer to |
| Oakland | | have to pay a fee or penalty. | | convert its assets into cash to pay |
| Chattanooga | | However, you may still save money | | claims if necessary. |
| Bloomington | | after paying the fee if your new policy | | |
| Youngstown | | affords you significant savings. So | | Claim: A demand made by the |
| Springfield | | while it is best to wait until your | | insured, or the insured's beneficiary, |
| Bellevue | | receive your renewal notice, you CAN | | for payment of the benefits provided |
| Lakeland | | cancel your policy at any time. | | by the contract. |
