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| Downey | | Make sure you have a new policy in | | Interline Endorsement: Commercial |
| Honolulu | | place before you cancel your old one | | endorsements that apply, or could |
| Denton | | to avoid a lapse in coverage. This will | | apply, to more than one coverage |
| York | | also prevent having to figure out the | | part of a package policy. |
| Brooklyn | | amount of any unused premium that is | | |
| Texarkana | | due to you from your old insurance | | Inspection: Independent checking on |
| Ann Arbor | | company, or having to spar with your | | facts about an applicant, |
| Wilmington | | agent about exactly when your policy | | policyholder, or claimant, usually by a |
| Olympia | | was cancelled and how much they | | commercial inspection agency. |
| Providence | | owe you. | | |
| Venice | | | | Buy-Back" Deductible: A deductible |
| Stamford | | We offer quotes for auto insurance, | | which may be eliminated for an |
| Livonia | | life insurance, homeowners | | additional premium in order to |
| Madison | | insurance, health insurance, term life | | provide "first-dollar" coverage. |
| Owensboro | | insurance and more. | | |
| Franklin | | | | Independent Contractor: One who |
| Topeka | | Everyone has different needs, and | | agrees to perform according to a |
| Chattanooga | | not one size fits all when it comes to | | contract and who is not an employee. |
| Acworth | | term life insurance. While it may make | | |
| Edison | | sense for people in their 30s and 40s | | Level Commission System: A system |
| Duluth | | to secure a 20-year term length, a | | of commissions in which the first year |
| Honolulu | | 10-year term might be more | | and all renewal commissions are the |
| Midland | | appropriate for someone nearing | | same percentage of the premium. |
| Lake Charles | | retirement. | | |
| Redlands | | | | FICA. Federal Insurance Contributions |
| Clearwater | | Shopping around is the best way to | | Act: A law imposing a payroll tax to |
| Rockford | | save money on your insurance. | | assist in funding Social Security |
| Providence | | | | benefits. |
| Amarillo | | Healthy people have the best | | |
| Greeley | | mortality risks and thus are much | | Gain and Loss Exhibit: The portion of |
| Tampa | | cheaper for companies to insure. This | | the convention blank which |
| Monroe | | translates into lower rates for the | | represents an analysis of gains, |
| Jackson | | Super Preferred customer than | | losses, and surplus during an |
| Warwick | | someone with higher risk factors such | | accounting period. |
| Lincoln | | as a heart condition, cancer or | | |
| Daytona Beach | | diabetes. Conversely, if you were | | |
| Sunnyvale | | unhealthy when you acquired your | | |
| Jacksonville | | policy, and your health has now | | |
| Fort Wayne | | improved, it might be time to shop for | | |
| Cambridge | | a new policy, as your rates are likely | | |
| Hampton | | to be lower. | | |
