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| Southfield | | If you decide to cancel your policy | | Submitted Business: Applications for |
| Whittier | | (after acquiring new coverage) | | insurance submitted to an insurer but |
| Duluth | | outside of the 30-day period, you may | | not yet acted upon by it. |
| Texarkana | | have to pay a fee or penalty. | | |
| Springfield | | However, you may still save money | | Valued: Relating to an agreement by |
| Duluth | | after paying the fee if your new policy | | an insurer to pay a specified amount |
| Lansing | | affords you significant savings. So | | of money to or on behalf of the |
| Portland | | while it is best to wait until your | | insured upon occurrence of a defined |
| Athens | | receive your renewal notice, you CAN | | loss. |
| Kansas City | | cancel your policy at any time. | | |
| San Jose | | | | Preferred Risk: Any risk considered |
| Tulsa | | Life insurance, specifically Term Life, | | to be better than the standard risk on |
| Gainesville | | is arguably one of the best values in | | which the premium rate was |
| Salem | | the entire financial services arena. | | calculated. |
| Sunnyvale | | Where else can you go and get | | |
| Chula Vista | | hundreds of thousands of dollars in | | Indemnify: To restore the victim of a |
| Poughkeepsie | | protection for literally pennies per | | loss to the same position as before |
| Richmond | | day? Rates for Term Life insurance | | the loss occurred. |
| Gaithersburg | | remain at all-time lows, and now is the | | |
| Albany | | time to lock in the best prices. | | Shock Loss: A catastrophic loss so |
| Santa Rosa | | | | large that it has a material effect on |
| Lafayette | | Make sure you have a new policy in | | the underwriting results of a company. |
| Livonia | | place before you cancel your old one | | |
| Long Island City | | to avoid a lapse in coverage. This will | | Brick Veneer Construction: Refers to |
| Huntington | | also prevent having to figure out the | | a building where the outside walls are |
| Florissant | | amount of any unused premium that is | | constructed of wood with a facing of a |
| Asheville | | due to you from your old insurance | | single layer of brick. |
| Cleveland | | company, or having to spar with your | | |
| Asheville | | agent about exactly when your policy | | Partial Loss: A loss covered by an |
| Pasadena | | was cancelled and how much they | | insurance policy which does not |
| Harlingen | | owe you. | | completely destroy or render |
| Stamford | | | | worthless the insured property. |
| Palo Alto | | Everyone has different needs, and | | |
| Birmingham | | not one size fits all when it comes to | | Notice To Company: Written notice to |
| Aurora | | term life insurance. While it may make | | an insurer of the occurrence of an |
| Garland | | sense for people in their 30s and 40s | | event which a claim is to be based. |
| Littleton | | to secure a 20-year term length, a | | |
| Knoxville | | 10-year term might be more | | |
| Denver | | appropriate for someone nearing | | |
| Topeka | | retirement. | | |
