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| El Paso | | Healthy people have the best | | Premises: The particular location of |
| Sunnyvale | | mortality risks and thus are much | | property or a portion thereof as |
| Decatur | | cheaper for companies to insure. This | | designated in a policy. |
| Hemet | | translates into lower rates for the | | |
| Pembroke Pines | | Super Preferred customer than | | Mutualization: The process of |
| Long Beach | | someone with higher risk factors such | | converting a stock insurer to a mutual |
| Fairfax | | as a heart condition, cancer or | | insurer, accomplished by having the |
| Littleton | | diabetes. Conversely, if you were | | insurer buy stock and retire it. |
| Aurora | | unhealthy when you acquired your | | |
| Irving | | policy, and your health has now | | Retail Credit Company: The former |
| Arlington | | improved, it might be time to shop for | | name of Equifax, a credit reporting |
| Knoxville | | a new policy, as your rates are likely | | organization. See Equifax. |
| Mansfield | | to be lower. | | |
| Myrtle Beach | | | | Insolvent Insurer: An insurer which is |
| Memphis | | Make sure you have a new policy in | | unable to meet its financial |
| Augusta | | place before you cancel your old one | | obligations. |
| Metairie | | to avoid a lapse in coverage. This will | | |
| Nashville | | also prevent having to figure out the | | Net Retention: The amount of |
| Providence | | amount of any unused premium that is | | insurance that a ceding company |
| West Chester | | due to you from your old insurance | | keeps for its own account and does |
| Rochester | | company, or having to spar with your | | not reinsure. |
| San Jose | | agent about exactly when your policy | | |
| Colorado Springs | | was cancelled and how much they | | Foreign Insurer: An insurer domiciled |
| Stockton | | owe you. | | in a state of the United States other |
| Ventura | | | | than the one in which the insured's |
| Mountain View | | While some companies raise their | | insurance is written. |
| Asheville | | prices based on your actual age, | | |
| Overland Park | | most companies increase the price of | | Nonadmitted Insurer: An insurer not |
| Colorado Springs | | their policies six months before your | | licensed to do business in the |
| Bayside | | birthday. Its a term called Age | | jurisdiction in question. Same as |
| Franklin | | Nearest in the industry, and that | | Unauthorized Insurer and Unlicensed |
| Sterling Heights | | half-year price increase could really | | Insurer. |
| Bayside | | add up over a 20-year term policy. As | | |
| Buffalo | | above, the quicker you purchase your | | Expense Allowance: A compensation |
| Gainesville | | policy the better. | | paid to an insurance agent in excess |
| Clinton Township | | | | of prescribed commissions. |
