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| Overland Park | | The best time to switch policies is | | New For Old: Replacing old |
| Torrance | | within one month of receiving your | | damaged parts or equipment with |
| Denton | | policy renewal from your current | | new ones rather than repairing them. |
| Ventura | | insurer. You can typically cancel your | | |
| Clinton Township | | policy without any fees or penalties if | | Insurance to Value: Insurance written |
| Anaheim | | you act within this time period. | | in an amount approximating the value |
| Madison | | | | of the property insured. |
| Orlando | | Shopping around is the best way to | | |
| Killeen | | save money on your insurance. | | Agent's Qualification Law: Education, |
| San Jose | | | | experience, and other requirements |
| Grand Prairie | | At InsWeb, you can compare free | | imposed by the state upon persons |
| Portland | | online insurance quotes from many of | | desiring to be licensed as agents. |
| Fort Lauderdale | | the nations leading insurance | | |
| Gainesville | | companies. | | Indemnity: Restoration to the victim of |
| Whittier | | | | a loss by payment, repair, or |
| Redlands | | Everyone has different needs, and | | replacement. |
| High Point | | not one size fits all when it comes to | | |
| Louisville | | term life insurance. While it may make | | Line of Business: The classification of |
| Odessa | | sense for people in their 30s and 40s | | business as utilized in the insurance |
| Reno | | to secure a 20-year term length, a | | industry, e.g., Fire, Allied Lines and |
| Indianapolis | | 10-year term might be more | | Homeowners. |
| Muskegon | | appropriate for someone nearing | | |
| Phoenix | | retirement. | | Paid-In Surplus: Surplus paid in by |
| Pensacola | | | | stockholders, as contrasted with |
| Grand Rapids | | If you decide to cancel your policy | | surplus earned through the |
| Greenville | | (after acquiring new coverage) | | operations of a business. |
| Kansas City | | outside of the 30-day period, you may | | |
| Nashua | | have to pay a fee or penalty. | | Dual Life Stock Company: A stock |
| South Bend | | However, you may still save money | | Life insurer issuing both participating |
| Portland | | after paying the fee if your new policy | | and nonparticipating policy contracts. |
| Union | | affords you significant savings. So | | |
| Columbia | | while it is best to wait until your | | Gross Line: The total limit accepted |
| Bethlehem | | receive your renewal notice, you CAN | | by an insurer on an individual risk, |
| Lakewood | | cancel your policy at any time. | | including the amount to be reinsured. |
