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| Raleigh | | People who are trying to quit | | Admitted (or Allowed) Assets: Assets |
| Newport News | | smoking, for example, might be best | | whose values are permitted by state |
| Detroit | | suited purchasing a shorter term (and | | law to be included in the annual |
| Walnut Creek | | then replacing it with a longer term | | statement of the insurer. |
| Lake Worth | | policy when they qualify for | | |
| Newport Beach | | non-tobacco prices). | | Flat Cancellation: A policy which is |
| Bradenton | | | | cancelled upon its effective date. |
| Irvine | | Make sure you have a new policy in | | Usually under a flat cancellation no |
| Muncie | | place before you cancel your old one | | premium charge is made. |
| Washington | | to avoid a lapse in coverage. This will | | |
| Asheville | | also prevent having to figure out the | | Malinger: To feign a disability for the |
| Panama City | | amount of any unused premium that is | | purpose of continuing to collect |
| Fort Myers | | due to you from your old insurance | | benefits longer than actually |
| Anderson | | company, or having to spar with your | | necessary. |
| Lowell | | agent about exactly when your policy | | |
| Belleville | | was cancelled and how much they | | Broker-Agent: One acting as an agent |
| Toledo | | owe you. | | of one or more insurers and as a |
| New Port Richey | | | | broker in dealing with one or more |
| Lorain | | Shopping around is the best way to | | other insurers. |
| Portland | | save money on your insurance. | | |
| Sunnyvale | | | | Multi-Peril Policies: Policies which |
| Lancaster | | The best time to switch policies is | | cover a number of perils, such as fire, |
| Hot Springs | | within one month of receiving your | | burglary, and liability, in a single |
| Anaheim | | policy renewal from your current | | contract. |
| Billings | | insurer. You can typically cancel your | | |
| Independence | | policy without any fees or penalties if | | Claim Report: A report filed by an |
| Knoxville | | you act within this time period. | | agent setting forth the facts of a claim. |
| Cherry Hill | | | | Same as Loss Report. |
| Pensacola | | While some companies raise their | | |
| Owensboro | | prices based on your actual age, | | We/Us/Our: These words are used to |
| Chesapeake | | most companies increase the price of | | refer to the insurer in many of the |
| Canton | | their policies six months before your | | modernized/personalized policy |
| Cambridge | | birthday. Its a term called Age | | forms recently introduced. |
| St. Louis | | Nearest in the industry, and that | | |
| Clearwater | | half-year price increase could really | | |
| Pasadena | | add up over a 20-year term policy. As | | |
| Delray Beach | | above, the quicker you purchase your | | |
| Green Bay | | policy the better. | | |
