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| Hickory | | Individuals who have 30-year | | Insurance Policy: The printed form |
| Clinton Township | | mortgages might want to consider a | | which serves as the contract between |
| Florissant | | 30-year term to ensure that the house | | an insurer and an insured. |
| Boston | | is protected throughout the period of | | |
| Toms River | | the loan. | | Replacement: A new policy written to |
| Rochester | | | | take the place of one currently in force. |
| Longmont | | If you have noticed that your auto | | |
| Portland | | insurance rates are still increasing | | Borderline Risk: An insurance |
| Coral Springs | | with each renewal, or even have not | | prospect of doubtful quality from an |
| Lexington | | gone down even though you have a | | underwriting point of view. |
| Duluth | | great driving record, this lower pricing | | |
| Evansville | | trend makes it more important then | | Gain and Loss Exhibit: The portion of |
| Coral Springs | | ever that you shop around for auto | | the convention blank which |
| Mobile | | insurance. | | represents an analysis of gains, |
| Winter Park | | | | losses, and surplus during an |
| Reading | | Why not take advantage of current | | accounting period. |
| Colorado Springs | | low prices? Many auto insurance | | |
| High Point | | consumers are becoming educated | | Criticism: A correction suggested by a |
| Warwick | | on other companies, plans, and rates | | rating or auditing bureau to an insurer. |
| Panama City | | that are available to them; ones that | | |
| Owensboro | | could afford them significant savings | | Net Retention: The amount of |
| Cherry Hill | | on their auto insurance. | | insurance that a ceding company |
| Las Cruces | | | | keeps for its own account and does |
| Longwood | | While some companies raise their | | not reinsure. |
| Naples | | prices based on your actual age, | | |
| Longmont | | most companies increase the price of | | Valuation Clause: A clause stating the |
| Winter Haven | | their policies six months before your | | value of items for insurance |
| Erie | | birthday. Its a term called Age | | purposes, making it a valued policy. |
| Dothan | | Nearest in the industry, and that | | |
| Huntington Beach | | half-year price increase could really | | FICA. Federal Insurance Contributions |
| Lowell | | add up over a 20-year term policy. As | | Act: A law imposing a payroll tax to |
| Eugene | | above, the quicker you purchase your | | assist in funding Social Security |
| Hot Springs | | policy the better. | | benefits. |
