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| Waterloo | | If you decide to cancel your policy | | Liabilities: Money owed or expected |
| Fayetteville | | (after acquiring new coverage) | | to be owed. Insurance company |
| Savannah | | outside of the 30-day period, you may | | financial statements, for instance, |
| Johnson City | | have to pay a fee or penalty. | | show assets and liabilities. |
| Monroe | | However, you may still save money | | |
| Lake Charles | | after paying the fee if your new policy | | Policywriting Agent: An agent who has |
| Trenton | | affords you significant savings. So | | the authority to prepare and effect an |
| Arlington | | while it is best to wait until your | | insurer's policy. |
| Portland | | receive your renewal notice, you CAN | | |
| Mansfield | | cancel your policy at any time. | | Cut Rate: This term generally applies |
| Hickory | | | | to insurance companies who charge |
| Houston | | Healthy people have the best | | premiums below a normal or average |
| Alpharetta | | mortality risks and thus are much | | rate. |
| Plano | | cheaper for companies to insure. This | | |
| Houma | | translates into lower rates for the | | Lapsed Policy: One which has been |
| Lorain | | Super Preferred customer than | | allowed to expire because of |
| Lexington | | someone with higher risk factors such | | nonpayment of premiums. |
| Reno | | as a heart condition, cancer or | | |
| Little Rock | | diabetes. Conversely, if you were | | Renewal: The reestablishment of the |
| Plano | | unhealthy when you acquired your | | in-force status of a policy, the term of |
| Frederick | | policy, and your health has now | | which has expired or will expire |
| Providence | | improved, it might be time to shop for | | unless it is renewed. |
| Reading | | a new policy, as your rates are likely | | |
| Carlsbad | | to be lower. | | Interline Endorsement: Commercial |
| Little Rock | | | | endorsements that apply, or could |
| Columbus | | The best time to switch policies is | | apply, to more than one coverage |
| Canton | | within one month of receiving your | | part of a package policy. |
| Lake Charles | | policy renewal from your current | | |
| Marietta | | insurer. You can typically cancel your | | War Risk Insurance: Insurance |
| Council Bluffs | | policy without any fees or penalties if | | covering damage caused by war. |
| Mobile | | you act within this time period. | | Most often written by Ocean Marine |
| Escondido | | | | Insurance companies covering |
| Rapid City | | The quickest and easiest way to | | vessels. |
| Mobile | | shop for new insurance is by | | |
| Palm Desert | | comparing rates at InsWebs online | | |
| Anderson | | marketplace. If you do it the | | |
| Kalamazoo | | old-fashioned way (by calling or | | |
| Florissant | | visiting multiple agents or insurance | | |
| Owensboro | | companies) it could take up a huge | | |
| Brooklyn | | chunk of your time, which no one | | |
| Albuquerque | | wants or needs. By completing | | |
| Duluth | | InsWebs online application, you will | | |
| Portsmouth | | have rates to compare to your old | | |
| Irvine | | ones within minutes! | | |
