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| San Francisco | | If you decide to cancel your policy | | Authorized Insurer: An insurer |
| Williamsport | | (after acquiring new coverage) | | authorized by the state to transact |
| Honolulu | | outside of the 30-day period, you may | | business in that state for specific |
| Lubbock | | have to pay a fee or penalty. | | types of insurance. |
| Memphis | | However, you may still save money | | |
| Redlands | | after paying the fee if your new policy | | Adjustment Bureau: A firm organized |
| Long Beach | | affords you significant savings. So | | to provide adjustment services to |
| Manchester | | while it is best to wait until your | | insurers not wishing to create their |
| Billings | | receive your renewal notice, you CAN | | own claims division. |
| Atlanta | | cancel your policy at any time. | | |
| Escondido | | | | War Risk Insurance: Insurance |
| Gainesville | | The best time to switch policies is | | covering damage caused by war. |
| New Port Richey | | within one month of receiving your | | Most often written by Ocean Marine |
| West Palm Beach | | policy renewal from your current | | Insurance companies covering |
| San Francisco | | insurer. You can typically cancel your | | vessels. |
| Greensboro | | policy without any fees or penalties if | | |
| Fremont | | you act within this time period. | | Monoline Policy: Any insurance |
| Zanesville | | | | coverage written as a single line |
| Greenville | | Everyone has different needs, and | | policy. Contrast with Multiple Line or |
| Cape Coral | | not one size fits all when it comes to | | Package policy. |
| Rapid City | | term life insurance. While it may make | | |
| Orlando | | sense for people in their 30s and 40s | | Approved Roof: A term used in |
| Abilene | | to secure a 20-year term length, a | | building construction. It indicates a |
| Allentown | | 10-year term might be more | | roof made of fire-resistive materials, |
| Naperville | | appropriate for someone nearing | | such as tile or asphalt shingles. |
| Biloxi | | retirement. | | |
| Dearborn | | | | Appraisal: An evaluation of property |
| Monroe | | While some companies raise their | | made to ascertain either the |
| Scranton | | prices based on your actual age, | | appropriate amount of insurance to |
| Hampton | | most companies increase the price of | | be written or the amount of loss to be |
| Canton | | their policies six months before your | | paid. |
| Shreveport | | birthday. Its a term called Age | | |
| Owensboro | | Nearest in the industry, and that | | Level Commission System: A system |
| Virginia Beach | | half-year price increase could really | | of commissions in which the first year |
| Houma | | add up over a 20-year term policy. As | | and all renewal commissions are the |
| Charleston | | above, the quicker you purchase your | | same percentage of the premium. |
| Myrtle Beach | | policy the better. | | |
