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| Sterling Heights | | While some companies raise their | | Notice of Cancellation: Written notice |
| Indianapolis | | prices based on your actual age, | | by an insurer of intent to cancel |
| Union | | most companies increase the price of | | insurance, or written notice by an |
| Denton | | their policies six months before your | | insured requesting cancellation. |
| San Diego | | birthday. Its a term called Age | | |
| Pensacola | | Nearest in the industry, and that | | Exclusions: Specific situations, |
| Bronx | | half-year price increase could really | | conditions, or circumstances that are |
| Tucson | | add up over a 20-year term policy. As | | listed in the contract as being not |
| Fredericksburg | | above, the quicker you purchase your | | covered. |
| Louisville | | policy the better. | | |
| Newport Beach | | | | Professional Insurance Agents |
| Lorain | | Individuals who have 30-year | | Association: A trade association of |
| Fresno | | mortgages might want to consider a | | mutual insurance agents. |
| West Palm Beach | | 30-year term to ensure that the house | | |
| Glendale | | is protected throughout the period of | | Divided Cover: The placing of |
| Conroe | | the loan. | | insurance on a given subject or |
| Macon | | | | object with more than one insurer. |
| Johnson City | | Make sure you have a new policy in | | |
| Akron | | place before you cancel your old one | | Partnership: A business enterprise |
| St. Louis | | to avoid a lapse in coverage. This will | | owned and operated by two or more |
| Chicago | | also prevent having to figure out the | | persons for the purpose of generating |
| Fort Lauderdale | | amount of any unused premium that is | | business income and profits. |
| Saginaw | | due to you from your old insurance | | |
| Hartford | | company, or having to spar with your | | Convention Values: Values assigned |
| Fremont | | agent about exactly when your policy | | to insurers' assets in the convention |
| Canton | | was cancelled and how much they | | blank. |
| Bay City | | owe you. | | |
| Asheville | | | | Basic Rate: The manual rate from |
| Irving | | Healthy people have the best | | which discounts are taken or to which |
| Long Beach | | mortality risks and thus are much | | charges are added to reflect the |
| Killeen | | cheaper for companies to insure. This | | individual circumstances of a risk. |
| Rockville | | translates into lower rates for the | | |
| Portsmouth | | Super Preferred customer than | | Expense Allowance: A compensation |
| Canton | | someone with higher risk factors such | | paid to an insurance agent in excess |
| Norwalk | | as a heart condition, cancer or | | of prescribed commissions. |
| Dearborn | | diabetes. Conversely, if you were | | |
| New Port Richey | | unhealthy when you acquired your | | |
| Berkeley | | policy, and your health has now | | |
| Lawton | | improved, it might be time to shop for | | |
| Erie | | a new policy, as your rates are likely | | |
| Huntington Beach | | to be lower. | | |
