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| Las Cruces | | While some companies raise their | | Liquidity: The ability of an insurer to |
| Norwalk | | prices based on your actual age, | | convert its assets into cash to pay |
| Fremont | | most companies increase the price of | | claims if necessary. |
| Warren | | their policies six months before your | | |
| Longmont | | birthday. Its a term called Age | | Independent Contractor: One who |
| Seattle | | Nearest in the industry, and that | | agrees to perform according to a |
| Raleigh | | half-year price increase could really | | contract and who is not an employee. |
| Williamsburg | | add up over a 20-year term policy. As | | |
| Coral Springs | | above, the quicker you purchase your | | Agent's Qualification Law: Education, |
| Florence | | policy the better. | | experience, and other requirements |
| Flushing | | | | imposed by the state upon persons |
| Hattiesburg | | The best time to switch policies is | | desiring to be licensed as agents. |
| Wilmington | | within one month of receiving your | | |
| Green Bay | | policy renewal from your current | | Equity: The money value of an |
| Delray Beach | | insurer. You can typically cancel your | | insurance company that is over and |
| Vineland | | policy without any fees or penalties if | | above its liabilities. Liabilities include |
| Florence | | you act within this time period. | | almost all of its reserves. |
