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| Salt Lake City | | The best time to switch policies is | | Indemnity: Restoration to the victim of |
| Southfield | | within one month of receiving your | | a loss by payment, repair, or |
| Lima | | policy renewal from your current | | replacement. |
| Lansing | | insurer. You can typically cancel your | | |
| Delray Beach | | policy without any fees or penalties if | | Claim Report: A report filed by an |
| Abilene | | you act within this time period. | | agent setting forth the facts of a claim. |
| Sioux City | | | | Same as Loss Report. |
| Spokane | | While some companies raise their | | |
| Bakersfield | | prices based on your actual age, | | You/Your: These words are used to |
| San Bernardino | | most companies increase the price of | | refer to the named insured in many of |
| Longview | | their policies six months before your | | the modernized/personalized policy |
| Rapid City | | birthday. Its a term called Age | | forms. |
| Cincinnati | | Nearest in the industry, and that | | |
| Reno | | half-year price increase could really | | Legislative Risk: A risk faced by |
| Peoria | | add up over a 20-year term policy. As | | investors whereby changes in tax |
| Orange | | above, the quicker you purchase your | | laws can result in adverse effects on |
| Birmingham | | policy the better. | | the individual's investment results. |
