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| St. Louis | | Shopping around is the best way to | | Losses Outstanding: A summary |
| Portland | | save money on your insurance. | | statement prepared by Property, Life, |
| Pembroke Pines | | | | and Liability insurers showing claims |
| Kansas City | | Everyone has different needs, and | | not yet settled. |
| Hattiesburg | | not one size fits all when it comes to | | |
| Palm Desert | | term life insurance. While it may make | | Premium Receipt: The receipt given |
| Newark | | sense for people in their 30s and 40s | | a policy owner for the payment of a |
| Clarksville | | to secure a 20-year term length, a | | premium. |
| Fort Myers | | 10-year term might be more | | |
| Nashua | | appropriate for someone nearing | | Operating Expense: The expense of |
| Long Beach | | retirement. | | an insurer other than commissions |
| Louisville | | | | and taxes. Called " and Insurance |
| Odessa | | If you have noticed that your auto | | Expense" in the convention statement |
| Palm Desert | | insurance rates are still increasing | | blank. |
| Williamsport | | with each renewal, or even have not | | |
| Lafayette | | gone down even though you have a | | Independent Contractor: One who |
| Durham | | great driving record, this lower pricing | | agrees to perform according to a |
| Tampa | | trend makes it more important then | | contract and who is not an employee. |
| Amarillo | | ever that you shop around for auto | | |
| Joliet | | insurance. | | Basic Rate: The manual rate from |
| Springfield | | | | which discounts are taken or to which |
| Jacksonville | | People who are trying to quit | | charges are added to reflect the |
| New Orleans | | smoking, for example, might be best | | individual circumstances of a risk. |
| Vineland | | suited purchasing a shorter term (and | | |
| Little Rock | | then replacing it with a longer term | | Director of Insurance: A title used in |
| Rochester | | policy when they qualify for | | some states for the head of the |
| Escondido | | non-tobacco prices). | | department of insurance. |