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| Erie | | Make sure you have a new policy in | | Commingling: An illegal practice |
| Winter Haven | | place before you cancel your old one | | which occurs when an agent mixes |
| Peoria | | to avoid a lapse in coverage. This will | | personal funds with the insured's or |
| Norfolk | | also prevent having to figure out the | | insurer's funds. |
| Sacramento | | amount of any unused premium that is | | |
| Monroe | | due to you from your old insurance | | Exclusions: Specific situations, |
| Tucson | | company, or having to spar with your | | conditions, or circumstances that are |
| Cleveland | | agent about exactly when your policy | | listed in the contract as being not |
| Longview | | was cancelled and how much they | | covered. |
| Orange | | owe you. | | |
| Wichita | | | | Amendment: A formal document |
| Newark | | If you decide to cancel your policy | | which corrects or revises an |
| Kansas City | | (after acquiring new coverage) | | insurance master policy. |
| Downey | | outside of the 30-day period, you may | | |
| Savannah | | have to pay a fee or penalty. | | You/Your: These words are used to |
| Springfield | | However, you may still save money | | refer to the named insured in many of |
| Duluth | | after paying the fee if your new policy | | the modernized/personalized policy |
| Sumter | | affords you significant savings. So | | forms. |
| Lansing | | while it is best to wait until your | | |
| Williamsburg | | receive your renewal notice, you CAN | | Tickler: A reminder system used to |
| Gainesville | | cancel your policy at any time. | | call an individual's attention to actions |
| Duluth | | | | that must be taken at a future point in |
| Muskegon | | Life insurance, specifically Term Life, | | time. |
| Portland | | is arguably one of the best values in | | |
| Oxnard | | the entire financial services arena. | | Operating Expense: The expense of |
| Virginia Beach | | Where else can you go and get | | an insurer other than commissions |
| Jersey City | | hundreds of thousands of dollars in | | and taxes. Called " and Insurance |
| Reading | | protection for literally pennies per | | Expense" in the convention statement |
| Mesquite | | day? Rates for Term Life insurance | | blank. |
| Bayside | | remain at all-time lows, and now is the | | |
| Knoxville | | time to lock in the best prices. | | Basic Rate: The manual rate from |
| White Plains | | | | which discounts are taken or to which |
| Oxnard | | Shopping around is the best way to | | charges are added to reflect the |
| Jackson | | save money on your insurance. | | individual circumstances of a risk. |
