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| Savannah | | Individuals who have 30-year | | Gross Premium: The net premium |
| Morristown | | mortgages might want to consider a | | plus operating expenses, |
| Sacramento | | 30-year term to ensure that the house | | commissions and other expenses. |
| Wilmington | | is protected throughout the period of | | |
| Arlington | | the loan. | | War Risk Insurance: Insurance |
| Green Bay | | | | covering damage caused by war. |
| Springfield | | If you decide to cancel your policy | | Most often written by Ocean Marine |
| Mesquite | | (after acquiring new coverage) | | Insurance companies covering |
| Lake Worth | | outside of the 30-day period, you may | | vessels. |
| Yuma | | have to pay a fee or penalty. | | |
| Orange | | However, you may still save money | | Deductible: The portion of an insured |
| Whittier | | after paying the fee if your new policy | | loss to be borne by the insured |
| Lowell | | affords you significant savings. So | | before he is entitled to recovery from |
| Longwood | | while it is best to wait until your | | the insurer. |
| Hartford | | receive your renewal notice, you CAN | | |
| Ocala | | cancel your policy at any time. | | Buy-Back" Deductible: A deductible |
| Rome | | | | which may be eliminated for an |
| Fullerton | | Life insurance, specifically Term Life, | | additional premium in order to |
| Muncie | | is arguably one of the best values in | | provide "first-dollar" coverage. |
| Durham | | the entire financial services arena. | | |
| Lawrenceville | | Where else can you go and get | | Overlapping Insurance: Coverage |
| Redlands | | hundreds of thousands of dollars in | | from two or more policies or insurers |
| Corona | | protection for literally pennies per | | which duplicates coverage of certain |
| Las Cruces | | day? Rates for Term Life insurance | | risks. |
| Nashville | | remain at all-time lows, and now is the | | |
| Houston | | time to lock in the best prices. | | Agent's Balance: A periodic |
| Troy | | | | statement of the sums due and owed |
| Kansas City | | Make sure you have a new policy in | | to an agent under the agent's contract |
| Davenport | | place before you cancel your old one | | with an insurer. |
| Norwalk | | to avoid a lapse in coverage. This will | | |
| Greenville | | also prevent having to figure out the | | Indemnify: To restore the victim of a |
| Flint | | amount of any unused premium that is | | loss to the same position as before |
| Gaithersburg | | due to you from your old insurance | | the loss occurred. |
| Baltimore | | company, or having to spar with your | | |
| Flushing | | agent about exactly when your policy | | |
| Mountain View | | was cancelled and how much they | | |
| Muskegon | | owe you. | | |
