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| Irving | | The quickest and easiest way to | | Earned Income: The money |
| Williamsburg | | shop for new insurance is by | | individuals earn as a result of working |
| Woodbridge | | comparing rates at InsWebs online | | at some job or occupation for which |
| Henderson | | marketplace. If you do it the | | they are paid a salary. |
| Flushing | | old-fashioned way (by calling or | | |
| Decatur | | visiting multiple agents or insurance | | Net Interest Earned: The average |
| Panama City | | companies) it could take up a huge | | interest earned by an insurer on its |
| Lakewood | | chunk of your time, which no one | | investments after investment expense |
| New Orleans | | wants or needs. By completing | | but before federal income taxes. |
| Las Cruces | | InsWebs online application, you will | | |
| Columbus | | have rates to compare to your old | | Index Bureau Experience: A measure |
| Fresno | | ones within minutes! | | of losses relating to claims reported |
| Marietta | | | | through a claim office during a |
| Houma | | Make sure you have a new policy in | | 12-month period. |
| Jackson | | place before you cancel your old one | | |
| Colorado Springs | | to avoid a lapse in coverage. This will | | Commingling: An illegal practice |
| Oklahoma City | | also prevent having to figure out the | | which occurs when an agent mixes |
| Trenton | | amount of any unused premium that is | | personal funds with the insured's or |
| Green Bay | | due to you from your old insurance | | insurer's funds. |
| Newark | | company, or having to spar with your | | |
| Nashua | | agent about exactly when your policy | | Mutualization: The process of |
| Glendale | | was cancelled and how much they | | converting a stock insurer to a mutual |
| Hot Springs | | owe you. | | insurer, accomplished by having the |
| Arlington | | | | insurer buy stock and retire it. |
| Bradenton | | While some companies raise their | | |
| Coral Springs | | prices based on your actual age, | | Dual Life Stock Company: A stock |
| Chula Vista | | most companies increase the price of | | Life insurer issuing both participating |
| Wichita | | their policies six months before your | | and nonparticipating policy contracts. |
| Dubuque | | birthday. Its a term called Age | | |
| Jonesboro | | Nearest in the industry, and that | | Coding: A method of putting |
| Pasadena | | half-year price increase could really | | information into a numerical form for |
| San Francisco | | add up over a 20-year term policy. As | | statistical use. Most information on |
| Nashville | | above, the quicker you purchase your | | policies is coded and then put into |
| Hot Springs | | policy the better. | | reports. |
