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| Flint | | Healthy people have the best | | Provisional Rate: Tentative rates, |
| Edmond | | mortality risks and thus are much | | premiums or commissions that are |
| Johnstown | | cheaper for companies to insure. This | | subject to subsequent adjustment. |
| Scottsdale | | translates into lower rates for the | | See Commission and Premium. |
| Zanesville | | Super Preferred customer than | | |
| Silver Spring | | someone with higher risk factors such | | Legislative Risk: A risk faced by |
| Fort Lauderdale | | as a heart condition, cancer or | | investors whereby changes in tax |
| Winter Park | | diabetes. Conversely, if you were | | laws can result in adverse effects on |
| Palo Alto | | unhealthy when you acquired your | | the individual's investment results. |
| Minneapolis | | policy, and your health has now | | |
| Gaithersburg | | improved, it might be time to shop for | | Nonadmitted Insurer: An insurer not |
| Palm Desert | | a new policy, as your rates are likely | | licensed to do business in the |
| Portland | | to be lower. | | jurisdiction in question. Same as |
| Lafayette | | | | Unauthorized Insurer and Unlicensed |
| Lake Charles | | Life insurance, specifically Term Life, | | Insurer. |
| Hattiesburg | | is arguably one of the best values in | | |
| Long Beach | | the entire financial services arena. | | Retrospective Premium: The final |
| Tallahassee | | Where else can you go and get | | premium in a retrospective rating |
| Springfield | | hundreds of thousands of dollars in | | plan. See Retrospective Rating. |
| St. Paul | | protection for literally pennies per | | |
| Cleveland | | day? Rates for Term Life insurance | | Agent's Balance: A periodic |
| Jackson | | remain at all-time lows, and now is the | | statement of the sums due and owed |
| South Bend | | time to lock in the best prices. | | to an agent under the agent's contract |
| New Port Richey | | | | with an insurer. |
| Lancaster | | While some companies raise their | | |
| Hartford | | prices based on your actual age, | | Leasehold: An agreement which |
| Naples | | most companies increase the price of | | gives a person the right to use and |
| Sunnyvale | | their policies six months before your | | occupy property. |
| Hemet | | birthday. Its a term called Age | | |
| Jersey City | | Nearest in the industry, and that | | Mandatory Valuation Reserve: A |
| Macon | | half-year price increase could really | | reserve required by a state law to |
| Cape Coral | | add up over a 20-year term policy. As | | offset any declines in the valuation of |
| Carlsbad | | above, the quicker you purchase your | | securities listed as admitted assets. |
| Chula Vista | | policy the better. | | |
