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| Athens | | Make sure you have a new policy in | | Borderline Risk: An insurance |
| Elkhart | | place before you cancel your old one | | prospect of doubtful quality from an |
| Lexington | | to avoid a lapse in coverage. This will | | underwriting point of view. |
| Newark | | also prevent having to figure out the | | |
| High Point | | amount of any unused premium that is | | Insurance Examiner: The |
| Pompano Beach | | due to you from your old insurance | | representative of a state insurance |
| Augusta | | company, or having to spar with your | | department assigned to participate in |
| Whittier | | agent about exactly when your policy | | the official audit and examination of |
| Cedar Rapids | | was cancelled and how much they | | an insurer. |
| West Palm Beach | | owe you. | | |
| Pueblo | | | | Business: In Property, Liability, and |
| Longmont | | People who are trying to quit | | Health lines, it usually refers to the |
| Boulder | | smoking, for example, might be best | | volume of premiums. |
| Palm Harbor | | suited purchasing a shorter term (and | | |
| Hattiesburg | | then replacing it with a longer term | | Open Rating: A system whereby a |
| Billings | | policy when they qualify for | | state allows an insurer to use rates |
| Cranston | | non-tobacco prices). | | without prior approval. |