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| Jacksonville | | Shopping around is the best way to | | Malinger: To feign a disability for the |
| Grand Rapids | | save money on your insurance. | | purpose of continuing to collect |
| Sacramento | | | | benefits longer than actually |
| Minneapolis | | While some companies raise their | | necessary. |
| Gainesville | | prices based on your actual age, | | |
| Ogden | | most companies increase the price of | | Appraisal: An evaluation of property |
| Springfield | | their policies six months before your | | made to ascertain either the |
| Lima | | birthday. Its a term called Age | | appropriate amount of insurance to |
| Harlingen | | Nearest in the industry, and that | | be written or the amount of loss to be |
| Clinton Township | | half-year price increase could really | | paid. |
| Coral Springs | | add up over a 20-year term policy. As | | |
| Malden | | above, the quicker you purchase your | | Legislative Risk: A risk faced by |
| Chattanooga | | policy the better. | | investors whereby changes in tax |
| Lexington | | | | laws can result in adverse effects on |
| Johnson City | | The best time to switch policies is | | the individual's investment results. |
| Burbank | | within one month of receiving your | | |
| Pompano Beach | | policy renewal from your current | | Level Commission System: A system |
| Austin | | insurer. You can typically cancel your | | of commissions in which the first year |
| Alexandria | | policy without any fees or penalties if | | and all renewal commissions are the |
| Salt Lake City | | you act within this time period. | | same percentage of the premium. |
