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| Fayetteville | | If you decide to cancel your policy | | Net Interest Earned: The average |
| Toms River | | (after acquiring new coverage) | | interest earned by an insurer on its |
| Jasper | | outside of the 30-day period, you may | | investments after investment expense |
| Texarkana | | have to pay a fee or penalty. | | but before federal income taxes. |
| Lincoln | | However, you may still save money | | |
| Melbourne | | after paying the fee if your new policy | | Open Rating: A system whereby a |
| Grand Junction | | affords you significant savings. So | | state allows an insurer to use rates |
| White Plains | | while it is best to wait until your | | without prior approval. |
| Florence | | receive your renewal notice, you CAN | | |
| Virginia Beach | | cancel your policy at any time. | | Accident Year Experience: Measures |
| San Francisco | | | | premiums and losses relating to |
| Bayside | | While some companies raise their | | accidents which occurred during a |
| West Chester | | prices based on your actual age, | | 12-month period. |
| Fort Smith | | most companies increase the price of | | |
| Houma | | their policies six months before your | | Agent's License: A certificate of |
| Olympia | | birthday. Its a term called Age | | authority from the state which permits |
| Houston | | Nearest in the industry, and that | | the agent to conduct business. |
| San Diego | | half-year price increase could really | | |
| Jersey City | | add up over a 20-year term policy. As | | National Auto Theft Bureau: An |
| Carlsbad | | above, the quicker you purchase your | | organization engaged in the |
| Anderson | | policy the better. | | prevention and reduction of motor |
| Birmingham | | | | vehicle fire and theft losses. |
| Oxnard | | People who are trying to quit | | |
| Stockbridge | | smoking, for example, might be best | | Commingling: An illegal practice |
| Midland | | suited purchasing a shorter term (and | | which occurs when an agent mixes |
| Knoxville | | then replacing it with a longer term | | personal funds with the insured's or |
| Kalamazoo | | policy when they qualify for | | insurer's funds. |
| Chula Vista | | non-tobacco prices). | | |
| Springfield | | | | Losses Outstanding: A summary |
| Alpharetta | | Healthy people have the best | | statement prepared by Property, Life, |
| Malden | | mortality risks and thus are much | | and Liability insurers showing claims |
| Killeen | | cheaper for companies to insure. This | | not yet settled. |
| Johnson City | | translates into lower rates for the | | |
| Mountain View | | Super Preferred customer than | | Valued: Relating to an agreement by |
| Huntington Beach | | someone with higher risk factors such | | an insurer to pay a specified amount |
| Fort Smith | | as a heart condition, cancer or | | of money to or on behalf of the |
| Fayetteville | | diabetes. Conversely, if you were | | insured upon occurrence of a defined |
| Longwood | | unhealthy when you acquired your | | loss. |
| Denver | | policy, and your health has now | | |
| Columbus | | improved, it might be time to shop for | | |
| Huntington | | a new policy, as your rates are likely | | |
| Jasper | | to be lower. | | |
