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| South Bend | | Why not take advantage of current | | Premium: The price of insurance |
| Des Moines | | low prices? Many auto insurance | | protection for a specified risk for a |
| Stockbridge | | consumers are becoming educated | | specified period of time. |
| Los Angeles | | on other companies, plans, and rates | | |
| Decatur | | that are available to them; ones that | | Line of Business: The classification of |
| West Chester | | could afford them significant savings | | business as utilized in the insurance |
| Yuma | | on their auto insurance. | | industry, e.g., Fire, Allied Lines and |
| Morristown | | | | Homeowners. |
| Arlington | | Life insurance, specifically Term Life, | | |
| Greensboro | | is arguably one of the best values in | | Equity: The money value of an |
| Turlock | | the entire financial services arena. | | insurance company that is over and |
| Santa Rosa | | Where else can you go and get | | above its liabilities. Liabilities include |
| Overland Park | | hundreds of thousands of dollars in | | almost all of its reserves. |
| Jackson | | protection for literally pennies per | | |
| Torrance | | day? Rates for Term Life insurance | | Commingling: An illegal practice |
| Nashua | | remain at all-time lows, and now is the | | which occurs when an agent mixes |
| Littleton | | time to lock in the best prices. | | personal funds with the insured's or |
| Harlingen | | | | insurer's funds. |
| Palo Alto | | Individuals who have 30-year | | |
| Eugene | | mortgages might want to consider a | | Deficit Carried Forward: The transfer |
| Cedar Rapids | | 30-year term to ensure that the house | | of a debit balance from one |
| Killeen | | is protected throughout the period of | | accounting period to another. |
| Pittsburgh | | the loan. | | |
| Gainesville | | | | Mandatory Valuation Reserve: A |
| El Cajon | | Make sure you have a new policy in | | reserve required by a state law to |
| Cape Coral | | place before you cancel your old one | | offset any declines in the valuation of |
| Rockville | | to avoid a lapse in coverage. This will | | securities listed as admitted assets. |
| Lowell | | also prevent having to figure out the | | |
| Bronx | | amount of any unused premium that is | | Interline Endorsement: Commercial |
| Racine | | due to you from your old insurance | | endorsements that apply, or could |
| Florence | | company, or having to spar with your | | apply, to more than one coverage |
| Rockford | | agent about exactly when your policy | | part of a package policy. |
| Fort Smith | | was cancelled and how much they | | |
| Anderson | | owe you. | | Director of Insurance: A title used in |
| Las Vegas | | | | some states for the head of the |
| Naperville | | | | department of insurance. |
