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| Downey | | Individuals who have 30-year | | Capital Sum: The maximum lump sum |
| Walnut Creek | | mortgages might want to consider a | | payable in the event of accidental |
| Green Bay | | 30-year term to ensure that the house | | death or dismemberment. |
| Pueblo | | is protected throughout the period of | | |
| Albany | | the loan. | | Paid-In Surplus: Surplus paid in by |
| Grand Junction | | | | stockholders, as contrasted with |
| Winter Haven | | We offer quotes for auto insurance, | | surplus earned through the |
| Glendale | | life insurance, homeowners | | operations of a business. |
| Fort Smith | | insurance, health insurance, term life | | |
| Schenectady | | insurance and more. | | Lloyd's Broker: A person who has the |
| Santa Barbara | | | | authority to negotiate insurance |
| Oklahoma City | | Make sure you have a new policy in | | contracts with the underwriters on the |
| Salem | | place before you cancel your old one | | floor at Lloyd's. |
| Albany | | to avoid a lapse in coverage. This will | | |
| Carlsbad | | also prevent having to figure out the | | Business: In Property, Liability, and |
| Little Rock | | amount of any unused premium that is | | Health lines, it usually refers to the |
| Sioux Falls | | due to you from your old insurance | | volume of premiums. |
| Odessa | | company, or having to spar with your | | |
| Escondido | | agent about exactly when your policy | | Gross Premium: The net premium |
| San Bernardino | | was cancelled and how much they | | plus operating expenses, |
| Albuquerque | | owe you. | | commissions and other expenses. |