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| Florence | | While some companies raise their | | Initial Premium: An amount paid at the |
| Scottsdale | | prices based on your actual age, | | inception of an insurance contract, |
| Shreveport | | most companies increase the price of | | usually subject to adjustment at the |
| Jacksonville | | their policies six months before your | | end of the policy period. |
| Boca Raton | | birthday. Its a term called Age | | |
| Lafayette | | Nearest in the industry, and that | | Nonassignable: A policy that the |
| Providence | | half-year price increase could really | | owner cannot assign to a third party. |
| San Jose | | add up over a 20-year term policy. As | | Most policies are nonassignable |
| Charleston | | above, the quicker you purchase your | | unless approval is given by the |
| Harrisburg | | policy the better. | | insurer. |