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| Des Moines | | Healthy people have the best | | Retrospective Premium: The final |
| Lorain | | mortality risks and thus are much | | premium in a retrospective rating |
| Grand Rapids | | cheaper for companies to insure. This | | plan. See Retrospective Rating. |
| Thousand Oaks | | translates into lower rates for the | | |
| High Point | | Super Preferred customer than | | Net Loss: The amount of loss |
| Panama City | | someone with higher risk factors such | | sustained by an insurer after giving |
| Sioux Falls | | as a heart condition, cancer or | | effect to all applicable reinsurance, |
| Quincy | | diabetes. Conversely, if you were | | salvage, and subrogation recoveries. |
| Winter Park | | unhealthy when you acquired your | | |
| Oceanside | | policy, and your health has now | | Premium: The price of insurance |
| Joliet | | improved, it might be time to shop for | | protection for a specified risk for a |
| Birmingham | | a new policy, as your rates are likely | | specified period of time. |
| Detroit | | to be lower. | | |
| Kingsport | | | | Gross Line: The total limit accepted |
| Columbus | | Life insurance, specifically Term Life, | | by an insurer on an individual risk, |
| Redlands | | is arguably one of the best values in | | including the amount to be reinsured. |
| Walnut Creek | | the entire financial services arena. | | |
| Pasadena | | Where else can you go and get | | Divided Cover: The placing of |
| Stuart | | hundreds of thousands of dollars in | | insurance on a given subject or |
| Greensboro | | protection for literally pennies per | | object with more than one insurer. |
| Salem | | day? Rates for Term Life insurance | | |
| Tampa | | remain at all-time lows, and now is the | | Underinsurance: A condition in which |
| Augusta | | time to lock in the best prices. | | not enough insurance is carried to |
| Poughkeepsie | | | | cover the insurable value. |
| Lakewood | | At InsWeb, you can compare free | | |
| Bronx | | online insurance quotes from many of | | Paid-In Surplus: Surplus paid in by |
| Belleville | | the nations leading insurance | | stockholders, as contrasted with |
| Daytona Beach | | companies. | | surplus earned through the |
| Decatur | | | | operations of a business. |
| Greensboro | | While some companies raise their | | |
| Boulder | | prices based on your actual age, | | Dual Life Stock Company: A stock |
| Carlsbad | | most companies increase the price of | | Life insurer issuing both participating |
| Sacramento | | their policies six months before your | | and nonparticipating policy contracts. |
| St. Joseph | | birthday. Its a term called Age | | |
| Minneapolis | | Nearest in the industry, and that | | |
| South Bend | | half-year price increase could really | | |
| Rome | | add up over a 20-year term policy. As | | |
| Westbury | | above, the quicker you purchase your | | |
| Malden | | policy the better. | | |
