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| Oklahoma City | | Healthy people have the best | | Liquidity: The ability of an insurer to |
| Killeen | | mortality risks and thus are much | | convert its assets into cash to pay |
| Delray Beach | | cheaper for companies to insure. This | | claims if necessary. |
| San Diego | | translates into lower rates for the | | |
| Pompano Beach | | Super Preferred customer than | | You/Your: These words are used to |
| Springfield | | someone with higher risk factors such | | refer to the named insured in many of |
| Springfield | | as a heart condition, cancer or | | the modernized/personalized policy |
| Palm Desert | | diabetes. Conversely, if you were | | forms. |
| Nashua | | unhealthy when you acquired your | | |
| Wichita | | policy, and your health has now | | Appraisal: An evaluation of property |
| Springfield | | improved, it might be time to shop for | | made to ascertain either the |
| Myrtle Beach | | a new policy, as your rates are likely | | appropriate amount of insurance to |
| Jackson | | to be lower. | | be written or the amount of loss to be |
| Edmond | | | | paid. |
| Lincoln | | Individuals who have 30-year | | |
| Bronx | | mortgages might want to consider a | | Equity: The money value of an |
| Rochester | | 30-year term to ensure that the house | | insurance company that is over and |
| Los Angeles | | is protected throughout the period of | | above its liabilities. Liabilities include |
| Jacksonville | | the loan. | | almost all of its reserves. |