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| Vero Beach | | Make sure you have a new policy in | | Net Interest Earned: The average |
| Slidell | | place before you cancel your old one | | interest earned by an insurer on its |
| Lansing | | to avoid a lapse in coverage. This will | | investments after investment expense |
| South Bend | | also prevent having to figure out the | | but before federal income taxes. |
| Turlock | | amount of any unused premium that is | | |
| Fort Lauderdale | | due to you from your old insurance | | You/Your: These words are used to |
| Columbia | | company, or having to spar with your | | refer to the named insured in many of |
| Glendale | | agent about exactly when your policy | | the modernized/personalized policy |
| Spring Hill | | was cancelled and how much they | | forms. |
| Silver Spring | | owe you. | | |
| Riverside | | | | National Auto Theft Bureau: An |
| Biloxi | | If you have noticed that your auto | | organization engaged in the |
| Nashua | | insurance rates are still increasing | | prevention and reduction of motor |
| Downey | | with each renewal, or even have not | | vehicle fire and theft losses. |
| Amarillo | | gone down even though you have a | | |
| Tacoma | | great driving record, this lower pricing | | Dual Life Stock Company: A stock |
| Grand Prairie | | trend makes it more important then | | Life insurer issuing both participating |
| Huntington | | ever that you shop around for auto | | and nonparticipating policy contracts. |
| Lafayette | | insurance. | | |
| Bronx | | | | Short Rate Premium: The premium |
| Vancouver | | Everyone has different needs, and | | required for issuing a policy for a |
| Florence | | not one size fits all when it comes to | | period less than its normal term. |
| Albuquerque | | term life insurance. While it may make | | |
| Irvine | | sense for people in their 30s and 40s | | Inspection: Independent checking on |
| Silver Spring | | to secure a 20-year term length, a | | facts about an applicant, |
| Boynton Beach | | 10-year term might be more | | policyholder, or claimant, usually by a |
| Florissant | | appropriate for someone nearing | | commercial inspection agency. |
| Troy | | retirement. | | |
| Santa Clara | | | | Preferred Risk: Any risk considered |
| San Jose | | Healthy people have the best | | to be better than the standard risk on |
| Pittsburgh | | mortality risks and thus are much | | which the premium rate was |
| Glendale | | cheaper for companies to insure. This | | calculated. |
| Warwick | | translates into lower rates for the | | |
| Denver | | Super Preferred customer than | | Incurred Expense: Expenses not yet |
| Oxnard | | someone with higher risk factors such | | paid. Can also include paid |
| Peoria | | as a heart condition, cancer or | | expenses in some accounting |
| Scranton | | diabetes. Conversely, if you were | | systems. |
| Fort Lauderdale | | unhealthy when you acquired your | | |
| Metairie | | policy, and your health has now | | |
| Aurora | | improved, it might be time to shop for | | |
| Williamsport | | a new policy, as your rates are likely | | |
| Acworth | | to be lower. | | |
