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| Virginia Beach | | Everyone has different needs, and | | Overlapping Insurance: Coverage |
| Conroe | | not one size fits all when it comes to | | from two or more policies or insurers |
| Fall River | | term life insurance. While it may make | | which duplicates coverage of certain |
| Monroe | | sense for people in their 30s and 40s | | risks. |
| Lancaster | | to secure a 20-year term length, a | | |
| Phoenix | | 10-year term might be more | | Appraisal: An evaluation of property |
| Tampa | | appropriate for someone nearing | | made to ascertain either the |
| Stamford | | retirement. | | appropriate amount of insurance to |
| New York | | | | be written or the amount of loss to be |
| Chula Vista | | Make sure you have a new policy in | | paid. |
| Modesto | | place before you cancel your old one | | |
| Henderson | | to avoid a lapse in coverage. This will | | Fiduciary: A person holding the funds |
| Independence | | also prevent having to figure out the | | or property of another in a position of |
| Jacksonville | | amount of any unused premium that is | | trust. An example would be the |
| Downey | | due to you from your old insurance | | executor of an estate. |
| Long Island City | | company, or having to spar with your | | |
| Detroit | | agent about exactly when your policy | | Premium Receipt: The receipt given |
| Ventura | | was cancelled and how much they | | a policy owner for the payment of a |
| Fredericksburg | | owe you. | | premium. |
