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| Newport Beach | | Make sure you have a new policy in | | Brokerage Business: Business |
| Alpharetta | | place before you cancel your old one | | offered to an insurer by a broker. This |
| Decatur | | to avoid a lapse in coverage. This will | | is sometimes called excess or |
| Tacoma | | also prevent having to figure out the | | surplus business. |
| Reading | | amount of any unused premium that is | | |
| Modesto | | due to you from your old insurance | | Multi-Peril Policies: Policies which |
| Chattanooga | | company, or having to spar with your | | cover a number of perils, such as fire, |
| Johnstown | | agent about exactly when your policy | | burglary, and liability, in a single |
| Philadelphia | | was cancelled and how much they | | contract. |
| Longwood | | owe you. | | |
| Stockton | | | | Policy Anniversary: The anniversary |
| Lorain | | Everyone has different needs, and | | of the date of issue of a policy as |
| Memphis | | not one size fits all when it comes to | | shown in the policy declarations. |
| Oakland | | term life insurance. While it may make | | |
| Troy | | sense for people in their 30s and 40s | | Flat Cancellation: A policy which is |
| Dubuque | | to secure a 20-year term length, a | | cancelled upon its effective date. |
| Jacksonville | | 10-year term might be more | | Usually under a flat cancellation no |
| Fullerton | | appropriate for someone nearing | | premium charge is made. |
| Daytona Beach | | retirement. | | |
| Birmingham | | | | Building Code: This refers to |
| Carlsbad | | Healthy people have the best | | municipal or other governmental |
| Boston | | mortality risks and thus are much | | ordinances regulating the type of |
| Dallas | | cheaper for companies to insure. This | | construction of buildings within its |
| Modesto | | translates into lower rates for the | | jurisdiction. |
| Springfield | | Super Preferred customer than | | |
| Fort Worth | | someone with higher risk factors such | | Society of Insurance Research: An |
| Torrance | | as a heart condition, cancer or | | organization which encourages |
| Amarillo | | diabetes. Conversely, if you were | | insurance research and promotes the |
| Houston | | unhealthy when you acquired your | | exchange of ideas and methods of |
| Fresno | | policy, and your health has now | | research. |
| Yonkers | | improved, it might be time to shop for | | |
| Bloomington | | a new policy, as your rates are likely | | Authorized Insurer: An insurer |
| Bakersfield | | to be lower. | | authorized by the state to transact |
| Williamsburg | | | | business in that state for specific |
| San Bernardino | | | | types of insurance. |
