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| Spring Hill | | If you decide to cancel your policy | | Net Retention: The amount of |
| Fort Collins | | (after acquiring new coverage) | | insurance that a ceding company |
| Anderson | | outside of the 30-day period, you may | | keeps for its own account and does |
| Stockbridge | | have to pay a fee or penalty. | | not reinsure. |
| Orange Park | | However, you may still save money | | |
| Virginia Beach | | after paying the fee if your new policy | | Accidental Bodily Injury: An injury |
| Quincy | | affords you significant savings. So | | sustained accidentally. Only the result |
| Poughkeepsie | | while it is best to wait until your | | need be accidental. Contrast with |
| Austin | | receive your renewal notice, you CAN | | Accidental Means. |
| Bloomington | | cancel your policy at any time. | | |
| Cleveland | | | | Net Interest Earned: The average |
| Rochester | | At InsWeb, you can compare free | | interest earned by an insurer on its |
| Sacramento | | online insurance quotes from many of | | investments after investment expense |
| San Bernardino | | the nations leading insurance | | but before federal income taxes. |
| Redlands | | companies. | | |
| Stockbridge | | | | Brick Veneer Construction: Refers to |
| Norwalk | | We offer quotes for auto insurance, | | a building where the outside walls are |
| Wilmington | | life insurance, homeowners | | constructed of wood with a facing of a |
| Hickory | | insurance, health insurance, term life | | single layer of brick. |
| Corona | | insurance and more. | | |
| Daytona Beach | | | | Insurance Policy: The printed form |
| Miami | | Everyone has different needs, and | | which serves as the contract between |
| Santa Barbara | | not one size fits all when it comes to | | an insurer and an insured. |
| Rochester | | term life insurance. While it may make | | |
| Killeen | | sense for people in their 30s and 40s | | Submitted Business: Applications for |
| Lawton | | to secure a 20-year term length, a | | insurance submitted to an insurer but |
| Chula Vista | | 10-year term might be more | | not yet acted upon by it. |
| Bayside | | appropriate for someone nearing | | |
| St. Paul | | retirement. | | Approved: The condition which exists |
| Vero Beach | | | | when the person or object to be |
| Harrisburg | | Healthy people have the best | | insured meets the underwriting |
| Canton | | mortality risks and thus are much | | standards of the insurer. |
| Vancouver | | cheaper for companies to insure. This | | |
| Jersey City | | translates into lower rates for the | | Mutualization: The process of |
| Houston | | Super Preferred customer than | | converting a stock insurer to a mutual |
| Berkeley | | someone with higher risk factors such | | insurer, accomplished by having the |
| Palm Harbor | | as a heart condition, cancer or | | insurer buy stock and retire it. |
| Sarasota | | diabetes. Conversely, if you were | | |
| Cookeville | | unhealthy when you acquired your | | |
| Lubbock | | policy, and your health has now | | |
| Anchorage | | improved, it might be time to shop for | | |
| Texarkana | | a new policy, as your rates are likely | | |
| Cambridge | | to be lower. | | |
