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| Montgomery | | While some companies raise their | | Deflation: An economic period |
| Fort Worth | | prices based on your actual age, | | characterized by falling prices, high |
| Bloomington | | most companies increase the price of | | unemployment and a generally |
| St. Joseph | | their policies six months before your | | sluggish or slow economy. |
| Schaumburg | | birthday. Its a term called Age | | |
| West Chester | | Nearest in the industry, and that | | Accidental Bodily Injury: An injury |
| Burbank | | half-year price increase could really | | sustained accidentally. Only the result |
| Flushing | | add up over a 20-year term policy. As | | need be accidental. Contrast with |
| Inglewood | | above, the quicker you purchase your | | Accidental Means. |
| North Hollywood | | policy the better. | | |
| Torrance | | | | Dual Life Stock Company: A stock |
| Reno | | People who are trying to quit | | Life insurer issuing both participating |
| Orange | | smoking, for example, might be best | | and nonparticipating policy contracts. |
| Santa Monica | | suited purchasing a shorter term (and | | |
| Boston | | then replacing it with a longer term | | Independent Agent: An agent |
| Huntington | | policy when they qualify for | | operating as an independent |
| Inglewood | | non-tobacco prices). | | contractor under the independent |
| Monroe | | | | agency system. |
| Columbus | | Why not take advantage of current | | |
| Brooklyn | | low prices? Many auto insurance | | Divided Cover: The placing of |
| St. Paul | | consumers are becoming educated | | insurance on a given subject or |
| Columbus | | on other companies, plans, and rates | | object with more than one insurer. |
| Saginaw | | that are available to them; ones that | | |
| Palm Desert | | could afford them significant savings | | Operating Expense: The expense of |
| St. Louis | | on their auto insurance. | | an insurer other than commissions |
| Spokane | | | | and taxes. Called " and Insurance |
| Boulder | | If you have noticed that your auto | | Expense" in the convention statement |
| Boise | | insurance rates are still increasing | | blank. |
| Pasadena | | with each renewal, or even have not | | |
| Santa Barbara | | gone down even though you have a | | Society of Insurance Research: An |
| Durham | | great driving record, this lower pricing | | organization which encourages |
| Roanoke | | trend makes it more important then | | insurance research and promotes the |
| Dayton | | ever that you shop around for auto | | exchange of ideas and methods of |
| Union | | insurance. | | research. |
