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| Lakeland | | Why not take advantage of current | | Losses Incurred: The total losses, |
| Berkeley | | low prices? Many auto insurance | | whether paid or not, sustained by an |
| Reno | | consumers are becoming educated | | insurer during a given period, e.g., 12 |
| Tallahassee | | on other companies, plans, and rates | | months. |
| Metairie | | that are available to them; ones that | | |
| Billings | | could afford them significant savings | | Loss Adjustment Expense: The cost |
| El Cajon | | on their auto insurance. | | of adjusting losses, excluding the |
| Bellevue | | | | amount of the loss itself. |
| Billings | | Shopping around is the best way to | | |
| Newburgh | | save money on your insurance. | | Cash Flow Underwriting: The use of |
| Jersey City | | | | rating and premium collection |
| Bethlehem | | Everyone has different needs, and | | techniques by insurance companies |
| Westbury | | not one size fits all when it comes to | | to maximize interest earnings on |
| Lafayette | | term life insurance. While it may make | | premiums. |
| Newburgh | | sense for people in their 30s and 40s | | |
| Bronx | | to secure a 20-year term length, a | | Standard Industry Code (SIC): This is |
| Evanston | | 10-year term might be more | | a coding system which assigns |
| Berkeley | | appropriate for someone nearing | | separate codes for different types of |
| Abilene | | retirement. | | industries. |
