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| Toms River | | Individuals who have 30-year | | Inspection: Independent checking on |
| Kalamazoo | | mortgages might want to consider a | | facts about an applicant, |
| Chattanooga | | 30-year term to ensure that the house | | policyholder, or claimant, usually by a |
| Jonesboro | | is protected throughout the period of | | commercial inspection agency. |
| Greensboro | | the loan. | | |
| Bethlehem | | | | Agency: An insurance sales office |
| Kansas City | | If you decide to cancel your policy | | which is directed by a agent, |
| Anderson | | (after acquiring new coverage) | | manager, independent agent, or |
| Kingsport | | outside of the 30-day period, you may | | company manager. |
| Stuart | | have to pay a fee or penalty. | | |
| Johnson City | | However, you may still save money | | Cash Flow Underwriting: The use of |
| Sioux City | | after paying the fee if your new policy | | rating and premium collection |
| Rapid City | | affords you significant savings. So | | techniques by insurance companies |
| Rome | | while it is best to wait until your | | to maximize interest earnings on |
| El Cajon | | receive your renewal notice, you CAN | | premiums. |
| San Francisco | | cancel your policy at any time. | | |
| Modesto | | | | Effective Date: The date on which the |
| Oceanside | | Why not take advantage of current | | protection of an insurance policy or |
| Texarkana | | low prices? Many auto insurance | | bond goes into effect. |
| New York | | consumers are becoming educated | | |
| Bloomington | | on other companies, plans, and rates | | Exclusion: A contractual provision that |
| Waterloo | | that are available to them; ones that | | denies coverage for certain perils, |
| Billings | | could afford them significant savings | | persons, property, or locations. |
| Spartanburg | | on their auto insurance. | | |
| Poughkeepsie | | | | Gross Premium: The net premium |
| Greensboro | | Make sure you have a new policy in | | plus operating expenses, |
| Roanoke | | place before you cancel your old one | | commissions and other expenses. |
| Phoenix | | to avoid a lapse in coverage. This will | | |
| Athens | | also prevent having to figure out the | | Time Limits: The limits of time within |
| Silver Spring | | amount of any unused premium that is | | which notice of a claim and proof of a |
| Naples | | due to you from your old insurance | | loss must be submitted. |
| San Antonio | | company, or having to spar with your | | |
| Waco | | agent about exactly when your policy | | Brokerage Department: A department |
| Gainesville | | was cancelled and how much they | | of an insurer whose purpose is to |
| Greeley | | owe you. | | deal with brokers in the placing of |
| Wichita | | | | insurance. |
