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| Gaithersburg | | While some companies raise their | | Loss Frequency: The number of times |
| Pueblo | | prices based on your actual age, | | a loss occurs over a specific period |
| Columbia | | most companies increase the price of | | of time. |
| Beaumont | | their policies six months before your | | |
| Albany | | birthday. Its a term called Age | | Nonadmitted Insurer: An insurer not |
| Stockton | | Nearest in the industry, and that | | licensed to do business in the |
| Waterloo | | half-year price increase could really | | jurisdiction in question. Same as |
| Grand Junction | | add up over a 20-year term policy. As | | Unauthorized Insurer and Unlicensed |
| Hemet | | above, the quicker you purchase your | | Insurer. |
| Ogden | | policy the better. | | |
| Salem | | | | Tabular Plan: A retrospective rating |
| Raleigh | | Individuals who have 30-year | | plan, which uses tables to furnish the |
| Columbus | | mortgages might want to consider a | | various values for the rating formula. |
| Lawrenceville | | 30-year term to ensure that the house | | |
| Longmont | | is protected throughout the period of | | Renewal: The reestablishment of the |
| New York | | the loan. | | in-force status of a policy, the term of |
| Lawton | | | | which has expired or will expire |
| Rapid City | | People who are trying to quit | | unless it is renewed. |
| Fayetteville | | smoking, for example, might be best | | |
| Louisville | | suited purchasing a shorter term (and | | Accident: An unplanned event, |
| Birmingham | | then replacing it with a longer term | | unexpected and undesigned, which |
| Reading | | policy when they qualify for | | occurs suddenly and at a definite |
| North Hollywood | | non-tobacco prices). | | place. |
