| | | | |
|
| Decatur | | Individuals who have 30-year | | Losses Outstanding: A summary |
| Boston | | mortgages might want to consider a | | statement prepared by Property, Life, |
| Jacksonville | | 30-year term to ensure that the house | | and Liability insurers showing claims |
| Edison | | is protected throughout the period of | | not yet settled. |
| Pembroke Pines | | the loan. | | |
| Denver | | | | Premises: The particular location of |
| Kalamazoo | | Make sure you have a new policy in | | property or a portion thereof as |
| San Jose | | place before you cancel your old one | | designated in a policy. |
| Boulder | | to avoid a lapse in coverage. This will | | |
| Duluth | | also prevent having to figure out the | | Borderline Risk: An insurance |
| Edison | | amount of any unused premium that is | | prospect of doubtful quality from an |
| Colorado Springs | | due to you from your old insurance | | underwriting point of view. |
| Albany | | company, or having to spar with your | | |
| South Bend | | agent about exactly when your policy | | Agent's Qualification Law: Education, |
| Joliet | | was cancelled and how much they | | experience, and other requirements |
| Albany | | owe you. | | imposed by the state upon persons |
| Montgomery | | | | desiring to be licensed as agents. |
| Edmond | | Everyone has different needs, and | | |
| Escondido | | not one size fits all when it comes to | | Cash Flow Underwriting: The use of |
| Palo Alto | | term life insurance. While it may make | | rating and premium collection |
| Montgomery | | sense for people in their 30s and 40s | | techniques by insurance companies |
| Oklahoma City | | to secure a 20-year term length, a | | to maximize interest earnings on |
| Kansas City | | 10-year term might be more | | premiums. |
| Lancaster | | appropriate for someone nearing | | |
| Pueblo | | retirement. | | Losses Incurred: The total losses, |
| Johnson City | | | | whether paid or not, sustained by an |
| Arlington | | While some companies raise their | | insurer during a given period, e.g., 12 |
| Flushing | | prices based on your actual age, | | months. |
| San Diego | | most companies increase the price of | | |
| Syracuse | | their policies six months before your | | Insurance to Value: Insurance written |
| Dearborn | | birthday. Its a term called Age | | in an amount approximating the value |
| Downey | | Nearest in the industry, and that | | of the property insured. |
| Vineland | | half-year price increase could really | | |
| Trenton | | add up over a 20-year term policy. As | | Line of Business: The classification of |
| Hattiesburg | | above, the quicker you purchase your | | business as utilized in the insurance |
| Dearborn | | policy the better. | | industry, e.g., Fire, Allied Lines and |
| Washington | | | | Homeowners. |
