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| Beaumont | | Why not take advantage of current | | Liabilities: Money owed or expected |
| Harlingen | | low prices? Many auto insurance | | to be owed. Insurance company |
| Hemet | | consumers are becoming educated | | financial statements, for instance, |
| Newark | | on other companies, plans, and rates | | show assets and liabilities. |
| Grand Rapids | | that are available to them; ones that | | |
| Virginia Beach | | could afford them significant savings | | Gross Line: The total limit accepted |
| Baton Rouge | | on their auto insurance. | | by an insurer on an individual risk, |
| Quincy | | | | including the amount to be reinsured. |
| Davenport | | People who are trying to quit | | |
| Lake Charles | | smoking, for example, might be best | | Nonassignable: A policy that the |
| Chicago | | suited purchasing a shorter term (and | | owner cannot assign to a third party. |
| Harrisburg | | then replacing it with a longer term | | Most policies are nonassignable |
| Pueblo | | policy when they qualify for | | unless approval is given by the |
| Hartford | | non-tobacco prices). | | insurer. |