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| Thousand Oaks | | While some companies raise their | | Tabular Plan: A retrospective rating |
| Albuquerque | | prices based on your actual age, | | plan, which uses tables to furnish the |
| Spartanburg | | most companies increase the price of | | various values for the rating formula. |
| Myrtle Beach | | their policies six months before your | | |
| Riverside | | birthday. Its a term called Age | | Preferred Risk: Any risk considered |
| Nashville | | Nearest in the industry, and that | | to be better than the standard risk on |
| Sioux Falls | | half-year price increase could really | | which the premium rate was |
| Ogden | | add up over a 20-year term policy. As | | calculated. |
| Lubbock | | above, the quicker you purchase your | | |
| Hot Springs | | policy the better. | | Mutualization: The process of |
| Edmond | | | | converting a stock insurer to a mutual |
| Fayetteville | | Everyone has different needs, and | | insurer, accomplished by having the |
| Canton | | not one size fits all when it comes to | | insurer buy stock and retire it. |
| Greensboro | | term life insurance. While it may make | | |
| Asheville | | sense for people in their 30s and 40s | | Independent Contractor: One who |
| Fullerton | | to secure a 20-year term length, a | | agrees to perform according to a |
| Eugene | | 10-year term might be more | | contract and who is not an employee. |
| Augusta | | appropriate for someone nearing | | |
| Tuscaloosa | | retirement. | | Initial Premium: An amount paid at the |
| Lake Charles | | | | inception of an insurance contract, |
| Lancaster | | We offer quotes for auto insurance, | | usually subject to adjustment at the |
| Hattiesburg | | life insurance, homeowners | | end of the policy period. |
| Woodbridge | | insurance, health insurance, term life | | |
| Peoria | | insurance and more. | | Valuation Clause: A clause stating the |
| Baton Rouge | | | | value of items for insurance |
| Macon | | Shopping around is the best way to | | purposes, making it a valued policy. |
| Fort Worth | | save money on your insurance. | | |
| Fort Wayne | | | | Level Commission System: A system |
| Akron | | If you have noticed that your auto | | of commissions in which the first year |
| Fort Wayne | | insurance rates are still increasing | | and all renewal commissions are the |
| Baton Rouge | | with each renewal, or even have not | | same percentage of the premium. |
| Baltimore | | gone down even though you have a | | |
| Glendale | | great driving record, this lower pricing | | Admitted (or Allowed) Assets: Assets |
| Knoxville | | trend makes it more important then | | whose values are permitted by state |
| Davenport | | ever that you shop around for auto | | law to be included in the annual |
| Henderson | | insurance. | | statement of the insurer. |
