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| Reno | | Individuals who have 30-year | | Burning Ratio: The ratio of losses |
| Fullerton | | mortgages might want to consider a | | suffered to the amount of insurance in |
| Boston | | 30-year term to ensure that the house | | effect. |
| Texarkana | | is protected throughout the period of | | |
| Cincinnati | | the loan. | | Claim: A demand made by the |
| Columbus | | | | insured, or the insured's beneficiary, |
| Vineland | | Healthy people have the best | | for payment of the benefits provided |
| Lafayette | | mortality risks and thus are much | | by the contract. |
| Minneapolis | | cheaper for companies to insure. This | | |
| Overland Park | | translates into lower rates for the | | Federal Deposit Insurance |
| Carlsbad | | Super Preferred customer than | | Corporation (FDIC): An agency of the |
| Seattle | | someone with higher risk factors such | | federal government which insures |
| Valdosta | | as a heart condition, cancer or | | bank deposits up to a stated |
| Morristown | | diabetes. Conversely, if you were | | maximum. |
| High Point | | unhealthy when you acquired your | | |
| Orange Park | | policy, and your health has now | | Mutualization: The process of |
| Chattanooga | | improved, it might be time to shop for | | converting a stock insurer to a mutual |
| Pueblo | | a new policy, as your rates are likely | | insurer, accomplished by having the |
| Scranton | | to be lower. | | insurer buy stock and retire it. |