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| San Diego | | The best time to switch policies is | | Policywriting Agent: An agent who has |
| Oceanside | | within one month of receiving your | | the authority to prepare and effect an |
| Grand Prairie | | policy renewal from your current | | insurer's policy. |
| Tampa | | insurer. You can typically cancel your | | |
| Tallahassee | | policy without any fees or penalties if | | Mandatory Valuation Reserve: A |
| Orlando | | you act within this time period. | | reserve required by a state law to |
| Anderson | | | | offset any declines in the valuation of |
| Anaheim | | Individuals who have 30-year | | securities listed as admitted assets. |
| Orange | | mortgages might want to consider a | | |
| Pensacola | | 30-year term to ensure that the house | | You/Your: These words are used to |
| Elkhart | | is protected throughout the period of | | refer to the named insured in many of |
| Corona | | the loan. | | the modernized/personalized policy |
| Kansas City | | | | forms. |
| Newport Beach | | While some companies raise their | | |
| Huntington | | prices based on your actual age, | | Commingling: An illegal practice |
| Olympia | | most companies increase the price of | | which occurs when an agent mixes |
| Cherry Hill | | their policies six months before your | | personal funds with the insured's or |
| Palo Alto | | birthday. Its a term called Age | | insurer's funds. |
| Inglewood | | Nearest in the industry, and that | | |
| New Orleans | | half-year price increase could really | | Accident: An unplanned event, |
| Hampton | | add up over a 20-year term policy. As | | unexpected and undesigned, which |
| Tucson | | above, the quicker you purchase your | | occurs suddenly and at a definite |
| Kansas City | | policy the better. | | place. |
