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| Yuma | | While some companies raise their | | Capital Sum: The maximum lump sum |
| Monroe | | prices based on your actual age, | | payable in the event of accidental |
| Minneapolis | | most companies increase the price of | | death or dismemberment. |
| Wilmington | | their policies six months before your | | |
| Denver | | birthday. Its a term called Age | | Broker of Record: A broker who has |
| Las Cruces | | Nearest in the industry, and that | | been designated to handle certain |
| Waterloo | | half-year price increase could really | | insurance contracts for the |
| Greeley | | add up over a 20-year term policy. As | | policyholder. |
| Fayetteville | | above, the quicker you purchase your | | |
| Bay City | | policy the better. | | Policy Period (or Term): The period |
| Fall River | | | | during which the policy contract |
| Dayton | | We offer quotes for auto insurance, | | affords protection, e.g., six months or |
| Duluth | | life insurance, homeowners | | one or three years. |
| Flushing | | insurance, health insurance, term life | | |
| Mountain View | | insurance and more. | | Tickler: A reminder system used to |
| Hollywood | | | | call an individual's attention to actions |
| Fresno | | Everyone has different needs, and | | that must be taken at a future point in |
| Escondido | | not one size fits all when it comes to | | time. |
| Houma | | term life insurance. While it may make | | |
| Canton | | sense for people in their 30s and 40s | | Stock Option Plan: Surviving |
| Chicago | | to secure a 20-year term length, a | | stockholders have the option to |
| San Francisco | | 10-year term might be more | | purchase or not purchase the shares |
| Lima | | appropriate for someone nearing | | of a deceased stockholder. |
| Lawrenceville | | retirement. | | |
| San Francisco | | | | Accident Year Experience: Measures |
| St. Louis | | If you decide to cancel your policy | | premiums and losses relating to |
| Livonia | | (after acquiring new coverage) | | accidents which occurred during a |
| Minneapolis | | outside of the 30-day period, you may | | 12-month period. |
| Bakersfield | | have to pay a fee or penalty. | | |
| Lake Charles | | However, you may still save money | | American Risk and Insurance |
| Springfield | | after paying the fee if your new policy | | Association: An association of |
| Omaha | | affords you significant savings. So | | insurance educators and others |
| Vero Beach | | while it is best to wait until your | | interested in insurance study and |
| Naperville | | receive your renewal notice, you CAN | | research. |
| Arlington | | cancel your policy at any time. | | |
