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| Goldsboro | | The quickest and easiest way to | | Claim Expense: The expense of |
| Clarksville | | shop for new insurance is by | | adjusting a claim, such as |
| Fort Lauderdale | | comparing rates at InsWebs online | | investigation and attorneys' fees. It |
| Springfield | | marketplace. If you do it the | | does not include the cost of the claim |
| Malden | | old-fashioned way (by calling or | | itself. |
| Tucson | | visiting multiple agents or insurance | | |
| Joliet | | companies) it could take up a huge | | Absolute Assignment: Assignment by |
| Arlington | | chunk of your time, which no one | | a policy owner of all control of and |
| Vancouver | | wants or needs. By completing | | rights in the policy to a third party. |
| Lake Charles | | InsWebs online application, you will | | |
| Wichita | | have rates to compare to your old | | Admitted Company: An insurance |
| Quincy | | ones within minutes! | | company authorized and licensed to |
| Clearwater | | | | do business in a given state. |
| Fort Collins | | Healthy people have the best | | |
| Muskegon | | mortality risks and thus are much | | Federal Deposit Insurance |
| Abilene | | cheaper for companies to insure. This | | Corporation (FDIC): An agency of the |
| Mesquite | | translates into lower rates for the | | federal government which insures |
| Baton Rouge | | Super Preferred customer than | | bank deposits up to a stated |
| Fort Worth | | someone with higher risk factors such | | maximum. |
| Raleigh | | as a heart condition, cancer or | | |
| Flint | | diabetes. Conversely, if you were | | Dual Life Stock Company: A stock |
| Gainesville | | unhealthy when you acquired your | | Life insurer issuing both participating |
| Santa Clara | | policy, and your health has now | | and nonparticipating policy contracts. |
| Gainesville | | improved, it might be time to shop for | | |
| Baton Rouge | | a new policy, as your rates are likely | | Legislative Risk: A risk faced by |
| Bellevue | | to be lower. | | investors whereby changes in tax |
| Springfield | | | | laws can result in adverse effects on |
| Augusta | | Make sure you have a new policy in | | the individual's investment results. |
| Winter Park | | place before you cancel your old one | | |
| Spartanburg | | to avoid a lapse in coverage. This will | | Collusion: An agreement, usually |
| Chicago | | also prevent having to figure out the | | secret, between two or more persons |
| Harlingen | | amount of any unused premium that is | | to defraud or deprive another or |
| Mesquite | | due to you from your old insurance | | others of their property or rights. |
| Gainesville | | company, or having to spar with your | | |
| Santa Rosa | | agent about exactly when your policy | | |
| Portland | | was cancelled and how much they | | |
| Lexington | | owe you. | | |
