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| Huntington | | People who are trying to quit | | Liquidity: The ability of an insurer to |
| Anchorage | | smoking, for example, might be best | | convert its assets into cash to pay |
| Denton | | suited purchasing a shorter term (and | | claims if necessary. |
| Houma | | then replacing it with a longer term | | |
| Fresno | | policy when they qualify for | | Net Retention: The amount of |
| Stamford | | non-tobacco prices). | | insurance that a ceding company |
| Independence | | | | keeps for its own account and does |
| Torrance | | Healthy people have the best | | not reinsure. |
| Morristown | | mortality risks and thus are much | | |
| Houston | | cheaper for companies to insure. This | | Director of Insurance: A title used in |
| Hemet | | translates into lower rates for the | | some states for the head of the |
| Chattanooga | | Super Preferred customer than | | department of insurance. |
| Canton | | someone with higher risk factors such | | |
| Lafayette | | as a heart condition, cancer or | | Theory of Probability: The |
| Huntington Beach | | diabetes. Conversely, if you were | | mathematical principle upon which |
| Des Moines | | unhealthy when you acquired your | | insurance is based. |
| Dayton | | policy, and your health has now | | |
| Harrisburg | | improved, it might be time to shop for | | Paid-In Surplus: Surplus paid in by |
| Lafayette | | a new policy, as your rates are likely | | stockholders, as contrasted with |
| Sarasota | | to be lower. | | surplus earned through the |
| Greensboro | | | | operations of a business. |
| Thousand Oaks | | If you have noticed that your auto | | |
| Morristown | | insurance rates are still increasing | | Initial Premium: An amount paid at the |
| Green Bay | | with each renewal, or even have not | | inception of an insurance contract, |
| Irving | | gone down even though you have a | | usually subject to adjustment at the |
| Plano | | great driving record, this lower pricing | | end of the policy period. |
| Toledo | | trend makes it more important then | | |
| Lake Charles | | ever that you shop around for auto | | Adjustment Bureau: A firm organized |
| Flushing | | insurance. | | to provide adjustment services to |
| Ogden | | | | insurers not wishing to create their |
| Texarkana | | Everyone has different needs, and | | own claims division. |
| Savannah | | not one size fits all when it comes to | | |
| Warren | | term life insurance. While it may make | | Malicious Mischief: Similar to |
| Williamsport | | sense for people in their 30s and 40s | | vandalism. Purposely damaging the |
| Flint | | to secure a 20-year term length, a | | rights or property of another. |
| Lowell | | 10-year term might be more | | |
| Joliet | | appropriate for someone nearing | | |
| Johnstown | | retirement. | | |
