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| Mobile | | Healthy people have the best | | Countersignature: The signature of a |
| Santa Barbara | | mortality risks and thus are much | | licensed agent or representative on a |
| Akron | | cheaper for companies to insure. This | | policy. |
| Lorain | | translates into lower rates for the | | |
| Hampton | | Super Preferred customer than | | Operating Expense: The expense of |
| Des Moines | | someone with higher risk factors such | | an insurer other than commissions |
| Vineland | | as a heart condition, cancer or | | and taxes. Called " and Insurance |
| Spokane | | diabetes. Conversely, if you were | | Expense" in the convention statement |
| Toledo | | unhealthy when you acquired your | | blank. |
| Cedar Rapids | | policy, and your health has now | | |
| Hickory | | improved, it might be time to shop for | | Depreciation: A decrease in the value |
| Pompano Beach | | a new policy, as your rates are likely | | of any type of tangible property over |
| Boynton Beach | | to be lower. | | a period of time resulting from use, |
| Detroit | | | | wear and tear, or obsolescence. |
| Pittsburgh | | Make sure you have a new policy in | | |
| Sterling Heights | | place before you cancel your old one | | New For Old: Replacing old |
| San Antonio | | to avoid a lapse in coverage. This will | | damaged parts or equipment with |
| Providence | | also prevent having to figure out the | | new ones rather than repairing them. |
| Palo Alto | | amount of any unused premium that is | | |
| Gainesville | | due to you from your old insurance | | Gain and Loss Exhibit: The portion of |
| Escondido | | company, or having to spar with your | | the convention blank which |
| Flint | | agent about exactly when your policy | | represents an analysis of gains, |
| Pembroke Pines | | was cancelled and how much they | | losses, and surplus during an |
| Downey | | owe you. | | accounting period. |
