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| Morristown | | Life insurance, specifically Term Life, | | First Party Insurance: Insurance which |
| Hickory | | is arguably one of the best values in | | applies to coverage for the insured's |
| Santa Rosa | | the entire financial services arena. | | own property or person. Contrast with |
| Oceanside | | Where else can you go and get | | Third Party Insurance. |
| Zanesville | | hundreds of thousands of dollars in | | |
| Alexandria | | protection for literally pennies per | | Tabular Plan: A retrospective rating |
| Livonia | | day? Rates for Term Life insurance | | plan, which uses tables to furnish the |
| Fort Wayne | | remain at all-time lows, and now is the | | various values for the rating formula. |
| Lorain | | time to lock in the best prices. | | |
| Fort Smith | | | | Paid-In Surplus: Surplus paid in by |
| Cedar Rapids | | The best time to switch policies is | | stockholders, as contrasted with |
| Rockford | | within one month of receiving your | | surplus earned through the |
| Des Moines | | policy renewal from your current | | operations of a business. |
| Spartanburg | | insurer. You can typically cancel your | | |
| Santa Clara | | policy without any fees or penalties if | | Claim Expense: The expense of |
| West Chester | | you act within this time period. | | adjusting a claim, such as |
| Fullerton | | | | investigation and attorneys' fees. It |
| Irving | | Make sure you have a new policy in | | does not include the cost of the claim |
| Stockton | | place before you cancel your old one | | itself. |
| Asheville | | to avoid a lapse in coverage. This will | | |
| Worcester | | also prevent having to figure out the | | Preferred Risk: Any risk considered |
| Kingsport | | amount of any unused premium that is | | to be better than the standard risk on |
| Hot Springs | | due to you from your old insurance | | which the premium rate was |
| Lubbock | | company, or having to spar with your | | calculated. |
| Livonia | | agent about exactly when your policy | | |
| Monroe | | was cancelled and how much they | | Leasehold: An agreement which |
| Jonesboro | | owe you. | | gives a person the right to use and |
| Roanoke | | | | occupy property. |
| Fresno | | Everyone has different needs, and | | |
| Huntington | | not one size fits all when it comes to | | Partial Loss: A loss covered by an |
| Augusta | | term life insurance. While it may make | | insurance policy which does not |
| Harrisburg | | sense for people in their 30s and 40s | | completely destroy or render |
| Acworth | | to secure a 20-year term length, a | | worthless the insured property. |
| Davenport | | 10-year term might be more | | |
| Rockford | | appropriate for someone nearing | | |
| Conroe | | retirement. | | |
