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| Seattle | | At InsWeb, you can compare free | | Fictitious Groups: Groups formed |
| Waco | | online insurance quotes from many of | | primarily for the purpose of buying |
| Portsmouth | | the nations leading insurance | | insurance. Under the law such groups |
| Bakersfield | | companies. | | may not be underwritten. |
| Greenville | | | | |
| Virginia Beach | | Healthy people have the best | | Policy Period (or Term): The period |
| Acworth | | mortality risks and thus are much | | during which the policy contract |
| Rockville | | cheaper for companies to insure. This | | affords protection, e.g., six months or |
| Fort Lauderdale | | translates into lower rates for the | | one or three years. |
| Naperville | | Super Preferred customer than | | |
| Bakersfield | | someone with higher risk factors such | | Net Interest Earned: The average |
| Springfield | | as a heart condition, cancer or | | interest earned by an insurer on its |
| Spartanburg | | diabetes. Conversely, if you were | | investments after investment expense |
| Norwalk | | unhealthy when you acquired your | | but before federal income taxes. |
| Hattiesburg | | policy, and your health has now | | |
| Council Bluffs | | improved, it might be time to shop for | | Admitted (or Allowed) Assets: Assets |
| Davenport | | a new policy, as your rates are likely | | whose values are permitted by state |
| Oxnard | | to be lower. | | law to be included in the annual |
| Anchorage | | | | statement of the insurer. |
| Augusta | | Individuals who have 30-year | | |
| Daytona Beach | | mortgages might want to consider a | | Sole Proprietorship: A business |
| Englewood | | 30-year term to ensure that the house | | enterprise owned by one person who |
| Dearborn | | is protected throughout the period of | | is its manager and employee. |
| Odessa | | the loan. | | |
| Raleigh | | | | Open Rating: A system whereby a |
| Washington | | Make sure you have a new policy in | | state allows an insurer to use rates |
| Wichita Falls | | place before you cancel your old one | | without prior approval. |
| Savannah | | to avoid a lapse in coverage. This will | | |
| Philadelphia | | also prevent having to figure out the | | Agent's Balance: A periodic |
| Fayetteville | | amount of any unused premium that is | | statement of the sums due and owed |
| Clearwater | | due to you from your old insurance | | to an agent under the agent's contract |
| Scottsdale | | company, or having to spar with your | | with an insurer. |
| High Point | | agent about exactly when your policy | | |
| Fort Wayne | | was cancelled and how much they | | Professional Insurance Agents |
| Johnson City | | owe you. | | Association: A trade association of |
| Cranston | | | | mutual insurance agents. |
