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| Irvine | | If you have noticed that your auto | | Index Bureau Experience: A measure |
| Nashville | | insurance rates are still increasing | | of losses relating to claims reported |
| Youngstown | | with each renewal, or even have not | | through a claim office during a |
| Elkhart | | gone down even though you have a | | 12-month period. |
| Bradenton | | great driving record, this lower pricing | | |
| Schaumburg | | trend makes it more important then | | Mandatory Valuation Reserve: A |
| Hemet | | ever that you shop around for auto | | reserve required by a state law to |
| Orlando | | insurance. | | offset any declines in the valuation of |
| Columbus | | | | securities listed as admitted assets. |
| Jacksonville | | Individuals who have 30-year | | |
| Evansville | | mortgages might want to consider a | | Insurance to Value: Insurance written |
| Lexington | | 30-year term to ensure that the house | | in an amount approximating the value |
| Charlotte | | is protected throughout the period of | | of the property insured. |
| Hollywood | | the loan. | | |
| Philadelphia | | | | Lloyd's Broker: A person who has the |
| Brooklyn | | If you decide to cancel your policy | | authority to negotiate insurance |
| Pembroke Pines | | (after acquiring new coverage) | | contracts with the underwriters on the |
| Orange Park | | outside of the 30-day period, you may | | floor at Lloyd's. |
| El Paso | | have to pay a fee or penalty. | | |
| Anderson | | However, you may still save money | | Divided Cover: The placing of |
| Springfield | | after paying the fee if your new policy | | insurance on a given subject or |
| Bethlehem | | affords you significant savings. So | | object with more than one insurer. |
| Lake Worth | | while it is best to wait until your | | |
| Harrisburg | | receive your renewal notice, you CAN | | Agent's Balance: A periodic |
| Harlingen | | cancel your policy at any time. | | statement of the sums due and owed |
| Metairie | | | | to an agent under the agent's contract |
| Pueblo | | Everyone has different needs, and | | with an insurer. |
| Davenport | | not one size fits all when it comes to | | |
| Newport News | | term life insurance. While it may make | | Coding: A method of putting |
| Albany | | sense for people in their 30s and 40s | | information into a numerical form for |
| Memphis | | to secure a 20-year term length, a | | statistical use. Most information on |
| Jackson | | 10-year term might be more | | policies is coded and then put into |
| Bethlehem | | appropriate for someone nearing | | reports. |
| Kansas City | | retirement. | | |
