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| Houston | | While some companies raise their | | Convention Values: Values assigned |
| Zanesville | | prices based on your actual age, | | to insurers' assets in the convention |
| Westbury | | most companies increase the price of | | blank. |
| Vero Beach | | their policies six months before your | | |
| San Jose | | birthday. Its a term called Age | | Net Retention: The amount of |
| Buffalo | | Nearest in the industry, and that | | insurance that a ceding company |
| Tulsa | | half-year price increase could really | | keeps for its own account and does |
| Melbourne | | add up over a 20-year term policy. As | | not reinsure. |
| Downey | | above, the quicker you purchase your | | |
| Stockbridge | | policy the better. | | Captive Agent: One who sells |
| Jacksonville | | | | insurance for only one company as |
| Venice | | People who are trying to quit | | opposed to an agent who represents |
| Aurora | | smoking, for example, might be best | | several companies. |
| Knoxville | | suited purchasing a shorter term (and | | |
| Sioux Falls | | then replacing it with a longer term | | Producer: A term applied to an agent, |
| Tallahassee | | policy when they qualify for | | solicitor or other person who sells |
| Chesapeake | | non-tobacco prices). | | insurance. |