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| Nashville | | If you decide to cancel your policy | | Buy-Back" Deductible: A deductible |
| Columbus | | (after acquiring new coverage) | | which may be eliminated for an |
| Fort Collins | | outside of the 30-day period, you may | | additional premium in order to |
| Overland Park | | have to pay a fee or penalty. | | provide "first-dollar" coverage. |
| Florence | | However, you may still save money | | |
| Bay City | | after paying the fee if your new policy | | Theory of Probability: The |
| Billings | | affords you significant savings. So | | mathematical principle upon which |
| Waterloo | | while it is best to wait until your | | insurance is based. |
| Santa Rosa | | receive your renewal notice, you CAN | | |
| Lincoln | | cancel your policy at any time. | | Independent Contractor: One who |
| Greensboro | | | | agrees to perform according to a |
| Shreveport | | Individuals who have 30-year | | contract and who is not an employee. |
| Rapid City | | mortgages might want to consider a | | |
| Rochester | | 30-year term to ensure that the house | | Accidental Bodily Injury: An injury |
| Southfield | | is protected throughout the period of | | sustained accidentally. Only the result |
| Phoenix | | the loan. | | need be accidental. Contrast with |
| Columbus | | | | Accidental Means. |
| Rockville | | The best time to switch policies is | | |
| Duluth | | within one month of receiving your | | Line of Business: The classification of |
| Bradenton | | policy renewal from your current | | business as utilized in the insurance |
| Des Moines | | insurer. You can typically cancel your | | industry, e.g., Fire, Allied Lines and |
| Rockville | | policy without any fees or penalties if | | Homeowners. |
| Franklin | | you act within this time period. | | |
| Bay City | | | | Will Ride: Coverage that remains in |
| Palm Desert | | While some companies raise their | | effect regardless of the geographical |
| Anaheim | | prices based on your actual age, | | location in which a loss occurs. |
| Naperville | | most companies increase the price of | | |
| Clearwater | | their policies six months before your | | Legislative Risk: A risk faced by |
| Lima | | birthday. Its a term called Age | | investors whereby changes in tax |
| Arlington | | Nearest in the industry, and that | | laws can result in adverse effects on |
| Scottsdale | | half-year price increase could really | | the individual's investment results. |
| Nashua | | add up over a 20-year term policy. As | | |
| Elkhart | | above, the quicker you purchase your | | We/Us/Our: These words are used to |
| Bellevue | | policy the better. | | refer to the insurer in many of the |
| Fremont | | | | modernized/personalized policy |
| Southfield | | | | forms recently introduced. |
