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| Greenville | | Healthy people have the best | | National Auto Theft Bureau: An |
| Spokane | | mortality risks and thus are much | | organization engaged in the |
| Philadelphia | | cheaper for companies to insure. This | | prevention and reduction of motor |
| Edison | | translates into lower rates for the | | vehicle fire and theft losses. |
| Nashua | | Super Preferred customer than | | |
| Santa Barbara | | someone with higher risk factors such | | Loss Adjustment Expense: The cost |
| Overland Park | | as a heart condition, cancer or | | of adjusting losses, excluding the |
| Savannah | | diabetes. Conversely, if you were | | amount of the loss itself. |
| Elkhart | | unhealthy when you acquired your | | |
| Springfield | | policy, and your health has now | | Criticism: A correction suggested by a |
| Toms River | | improved, it might be time to shop for | | rating or auditing bureau to an insurer. |
| Tempe | | a new policy, as your rates are likely | | |
| Cranston | | to be lower. | | Deflation: An economic period |
| Pompano Beach | | | | characterized by falling prices, high |
| Fremont | | Everyone has different needs, and | | unemployment and a generally |
| Pensacola | | not one size fits all when it comes to | | sluggish or slow economy. |
| Columbus | | term life insurance. While it may make | | |
| Newport Beach | | sense for people in their 30s and 40s | | Mandatory Valuation Reserve: A |
| Roanoke | | to secure a 20-year term length, a | | reserve required by a state law to |
| Boulder | | 10-year term might be more | | offset any declines in the valuation of |
| St. Paul | | appropriate for someone nearing | | securities listed as admitted assets. |
| Marietta | | retirement. | | |
| Union | | | | Line of Business: The classification of |
| Rockford | | People who are trying to quit | | business as utilized in the insurance |
| Greeley | | smoking, for example, might be best | | industry, e.g., Fire, Allied Lines and |
| Allentown | | suited purchasing a shorter term (and | | Homeowners. |
| Albany | | then replacing it with a longer term | | |
| Oakland | | policy when they qualify for | | Commingling: An illegal practice |
| Florissant | | non-tobacco prices). | | which occurs when an agent mixes |
| Abilene | | | | personal funds with the insured's or |
| Inglewood | | Individuals who have 30-year | | insurer's funds. |
| Cypress | | mortgages might want to consider a | | |
| Palm Harbor | | 30-year term to ensure that the house | | Dual Life Stock Company: A stock |
| North Hollywood | | is protected throughout the period of | | Life insurer issuing both participating |
| Hendersonville | | the loan. | | and nonparticipating policy contracts. |
