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  2. Mid-term adjustment - Wikipedia

    en.wikipedia.org/wiki/Mid-Term_Adjustment

    The change to the policy may cause a change in the premium: an increase is often called AP (for an additional premium) whereas a decrease is often called RP (returned premium). An additional transaction may also be payable to cover e.g. costs for revised insurance documents.

  3. 1988 California Proposition 103 - Wikipedia

    en.wikipedia.org/wiki/1988_California...

    Proposition 103, titled Insurance Rate Reduction and Reform Act, was a California ballot proposition voted on in the 1988 California General Election. It passed with 51% of the vote on November 8, 1988. [1] Proposition 103 expanded the regulatory capacities of the California Department of Insurance, especially in property and casualty insurance.

  4. Nonadmitted and Reinsurance Reform Act of 2010 - Wikipedia

    en.wikipedia.org/wiki/Nonadmitted_and...

    An "exempt commercial purchaser" is defined as any person purchasing commercial insurance that, at the time of placement, meets the following requirements: (A) the person employs or retains a qualified risk manager to negotiate insurance coverage; (B) the person has paid aggregate nationwide commercial property and casualty insurance premiums ...

  5. What is an FHA mortgage insurance premium? - AOL

    www.aol.com/finance/fha-mortgage-insurance...

    After June 3, 2013. Duration of insurance payments if 10% or higher down payment. Duration of insurance payments if less than 10% down. 2014. 11 years (until 2025)

  6. Agency agreement - Wikipedia

    en.wikipedia.org/wiki/Agency_agreement

    An agency agreement is a legal contract creating a fiduciary relationship whereby the first party ("the principal") agrees that the actions of a second party ("the agent") binds the principal to later agreements made by the agent as if the principal had himself personally made the later agreements. [1]

  7. How do real estate agent fees and commissions work? - AOL

    www.aol.com/finance/real-estate-agent-fees...

    Sellers sign a listing agreement with a Realtor in which they agree to pay a commission fee after the transaction closes. If it’s an “exclusive right to sell” arrangement, they pay the fee ...

  8. Homeowner Flood Insurance Affordability Act of 2014

    en.wikipedia.org/wiki/Homeowner_Flood_Insurance...

    The bill would delay the flood insurance premium increases mandated under the Biggert–Waters Flood Insurance Reform Act of 2012 for four years. [1] During that time, the Federal Emergency Management Agency is supposed to come up with a plan to make the premiums cheaper and reassess its maps of areas that are likely to flood (and therefore ...

  9. Homeowner Flood Insurance Affordability Act of 2013

    en.wikipedia.org/wiki/Homeowner_Flood_Insurance...

    The Homeowner Flood Insurance Affordability Act of 2013 would prohibit the Administrator of the Federal Emergency Management Agency (FEMA) from: (1) increasing flood insurance risk premium rates to reflect the current risk of flood for certain property located in specified areas subject to a certain mandatory premium adjustment, or (2) reducing ...