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| Panama City | | Make sure you have a new policy in | | Agency Contract (or Agreement): The |
| Naples | | place before you cancel your old one | | document which establishes the legal |
| Oklahoma City | | to avoid a lapse in coverage. This will | | relationship between an agent and an |
| Dallas | | also prevent having to figure out the | | insurer. |
| Fresno | | amount of any unused premium that is | | |
| Lima | | due to you from your old insurance | | Cash Flow Underwriting: The use of |
| Las Vegas | | company, or having to spar with your | | rating and premium collection |
| Cranston | | agent about exactly when your policy | | techniques by insurance companies |
| Palo Alto | | was cancelled and how much they | | to maximize interest earnings on |
| Albany | | owe you. | | premiums. |