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| Durham | | People who are trying to quit | | Accidental Bodily Injury: An injury |
| Harrisburg | | smoking, for example, might be best | | sustained accidentally. Only the result |
| Ventura | | suited purchasing a shorter term (and | | need be accidental. Contrast with |
| Stockbridge | | then replacing it with a longer term | | Accidental Means. |
| Pompano Beach | | policy when they qualify for | | |
| Grand Rapids | | non-tobacco prices). | | We/Us/Our: These words are used to |
| Newark | | | | refer to the insurer in many of the |
| Fort Wayne | | Individuals who have 30-year | | modernized/personalized policy |
| Boston | | mortgages might want to consider a | | forms recently introduced. |
| Boca Raton | | 30-year term to ensure that the house | | |
| Roanoke | | is protected throughout the period of | | Interstate Carrier: A transportation |
| Wichita | | the loan. | | company which does business |
| Malden | | | | across state lines. |
| Kingsport | | The best time to switch policies is | | |
| Turlock | | within one month of receiving your | | Dual Life Stock Company: A stock |
| Jersey City | | policy renewal from your current | | Life insurer issuing both participating |
| Alameda | | insurer. You can typically cancel your | | and nonparticipating policy contracts. |
| Goldsboro | | policy without any fees or penalties if | | |
| Williamsburg | | you act within this time period. | | Appraisal: An evaluation of property |
| Springfield | | | | made to ascertain either the |
| Durham | | At InsWeb, you can compare free | | appropriate amount of insurance to |
| Ventura | | online insurance quotes from many of | | be written or the amount of loss to be |
| Mobile | | the nations leading insurance | | paid. |
| Mobile | | companies. | | |
| Owensboro | | | | Deductible: The portion of an insured |
| Jackson | | If you decide to cancel your policy | | loss to be borne by the insured |
| Council Bluffs | | (after acquiring new coverage) | | before he is entitled to recovery from |
| Irving | | outside of the 30-day period, you may | | the insurer. |
| Muskegon | | have to pay a fee or penalty. | | |
| Newark | | However, you may still save money | | Independent Contractor: One who |
| Springfield | | after paying the fee if your new policy | | agrees to perform according to a |
| Westbury | | affords you significant savings. So | | contract and who is not an employee. |
| Winter Haven | | while it is best to wait until your | | |
| Lowell | | receive your renewal notice, you CAN | | Policy Period (or Term): The period |
| Odessa | | cancel your policy at any time. | | during which the policy contract |
| Scranton | | | | affords protection, e.g., six months or |
| Florence | | | | one or three years. |
