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| Lakewood | | Individuals who have 30-year | | Borderline Risk: An insurance |
| Houston | | mortgages might want to consider a | | prospect of doubtful quality from an |
| Sumter | | 30-year term to ensure that the house | | underwriting point of view. |
| Philadelphia | | is protected throughout the period of | | |
| Franklin | | the loan. | | Operating Expense: The expense of |
| Spokane | | | | an insurer other than commissions |
| Sacramento | | If you decide to cancel your policy | | and taxes. Called " and Insurance |
| Atlanta | | (after acquiring new coverage) | | Expense" in the convention statement |
| Muskegon | | outside of the 30-day period, you may | | blank. |
| Topeka | | have to pay a fee or penalty. | | |
| Bronx | | However, you may still save money | | Deflation: An economic period |
| Grand Junction | | after paying the fee if your new policy | | characterized by falling prices, high |
| Winter Park | | affords you significant savings. So | | unemployment and a generally |
| Santa Rosa | | while it is best to wait until your | | sluggish or slow economy. |
| Portland | | receive your renewal notice, you CAN | | |
| Lakewood | | cancel your policy at any time. | | Shock Loss: A catastrophic loss so |
| Tallahassee | | | | large that it has a material effect on |
| Kingsport | | We offer quotes for auto insurance, | | the underwriting results of a company. |
| San Francisco | | life insurance, homeowners | | |
| Dayton | | insurance, health insurance, term life | | Effective Date: The date on which the |
| Fayetteville | | insurance and more. | | protection of an insurance policy or |
| Madison | | | | bond goes into effect. |
| Pensacola | | At InsWeb, you can compare free | | |
| South Bend | | online insurance quotes from many of | | Agency Contract (or Agreement): The |
| Pensacola | | the nations leading insurance | | document which establishes the legal |
| Venice | | companies. | | relationship between an agent and an |
| Monroe | | | | insurer. |
| Scottsdale | | Healthy people have the best | | |
| Orange | | mortality risks and thus are much | | Earned Income: The money |
| Nashua | | cheaper for companies to insure. This | | individuals earn as a result of working |
| Naples | | translates into lower rates for the | | at some job or occupation for which |
| Council Bluffs | | Super Preferred customer than | | they are paid a salary. |
| Joliet | | someone with higher risk factors such | | |
| Fort Myers | | as a heart condition, cancer or | | Captive Agent: One who sells |
| Lincoln | | diabetes. Conversely, if you were | | insurance for only one company as |
| St. Joseph | | unhealthy when you acquired your | | opposed to an agent who represents |
| Yonkers | | policy, and your health has now | | several companies. |
| Boca Raton | | improved, it might be time to shop for | | |
| Monroe | | a new policy, as your rates are likely | | |
| Sunnyvale | | to be lower. | | |
