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| Springfield | | Healthy people have the best | | Broker of Record: A broker who has |
| Belleville | | mortality risks and thus are much | | been designated to handle certain |
| Savannah | | cheaper for companies to insure. This | | insurance contracts for the |
| Durham | | translates into lower rates for the | | policyholder. |
| Waterloo | | Super Preferred customer than | | |
| San Jose | | someone with higher risk factors such | | Time Limits: The limits of time within |
| Denton | | as a heart condition, cancer or | | which notice of a claim and proof of a |
| Panama City | | diabetes. Conversely, if you were | | loss must be submitted. |
| Silver Spring | | unhealthy when you acquired your | | |
| Southfield | | policy, and your health has now | | Sole Proprietorship: A business |
| Anderson | | improved, it might be time to shop for | | enterprise owned by one person who |
| Florissant | | a new policy, as your rates are likely | | is its manager and employee. |
| Hattiesburg | | to be lower. | | |
| Kingsport | | | | Notice of Cancellation: Written notice |
| Davenport | | Individuals who have 30-year | | by an insurer of intent to cancel |
| Longmont | | mortgages might want to consider a | | insurance, or written notice by an |
| Belleville | | 30-year term to ensure that the house | | insured requesting cancellation. |
| Wichita | | is protected throughout the period of | | |
| Walnut Creek | | the loan. | | Line of Business: The classification of |
| Costa Mesa | | | | business as utilized in the insurance |
| Santa Rosa | | The best time to switch policies is | | industry, e.g., Fire, Allied Lines and |
| Slidell | | within one month of receiving your | | Homeowners. |
| Gulfport | | policy renewal from your current | | |
| Newport Beach | | insurer. You can typically cancel your | | Liabilities: Money owed or expected |
| Little Rock | | policy without any fees or penalties if | | to be owed. Insurance company |
| Wichita Falls | | you act within this time period. | | financial statements, for instance, |
| Erie | | | | show assets and liabilities. |
| Lawton | | Make sure you have a new policy in | | |
| Allentown | | place before you cancel your old one | | Losses Outstanding: A summary |
| Albany | | to avoid a lapse in coverage. This will | | statement prepared by Property, Life, |
| Brooklyn | | also prevent having to figure out the | | and Liability insurers showing claims |
| Lawrenceville | | amount of any unused premium that is | | not yet settled. |
| Indianapolis | | due to you from your old insurance | | |
| Rockford | | company, or having to spar with your | | Approved: The condition which exists |
| Sumter | | agent about exactly when your policy | | when the person or object to be |
| Sterling Heights | | was cancelled and how much they | | insured meets the underwriting |
| Zanesville | | owe you. | | standards of the insurer. |
