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| Westbury | | People who are trying to quit | | Collusion: An agreement, usually |
| Decatur | | smoking, for example, might be best | | secret, between two or more persons |
| Venice | | suited purchasing a shorter term (and | | to defraud or deprive another or |
| Greenville | | then replacing it with a longer term | | others of their property or rights. |
| Franklin | | policy when they qualify for | | |
| Allentown | | non-tobacco prices). | | Claim Report: A report filed by an |
| Florissant | | | | agent setting forth the facts of a claim. |
| Detroit | | Everyone has different needs, and | | Same as Loss Report. |
| Honolulu | | not one size fits all when it comes to | | |
| Spartanburg | | term life insurance. While it may make | | Overlapping Insurance: Coverage |
| St. Louis | | sense for people in their 30s and 40s | | from two or more policies or insurers |
| Jackson | | to secure a 20-year term length, a | | which duplicates coverage of certain |
| Wilmington | | 10-year term might be more | | risks. |
| Irving | | appropriate for someone nearing | | |
| Trenton | | retirement. | | Flat Cancellation: A policy which is |
| Modesto | | | | cancelled upon its effective date. |
| Scranton | | If you have noticed that your auto | | Usually under a flat cancellation no |
| Sarasota | | insurance rates are still increasing | | premium charge is made. |
| Torrance | | with each renewal, or even have not | | |
| Whittier | | gone down even though you have a | | Business: In Property, Liability, and |
| Redlands | | great driving record, this lower pricing | | Health lines, it usually refers to the |
| Panama City | | trend makes it more important then | | volume of premiums. |
| Biloxi | | ever that you shop around for auto | | |
| Palm Desert | | insurance. | | Admitted (or Allowed) Assets: Assets |
| Dothan | | | | whose values are permitted by state |
| Naperville | | We offer quotes for auto insurance, | | law to be included in the annual |
| Muncie | | life insurance, homeowners | | statement of the insurer. |
| Spartanburg | | insurance, health insurance, term life | | |
| Jackson | | insurance and more. | | Malicious Mischief: Similar to |
| Shreveport | | | | vandalism. Purposely damaging the |
| Evansville | | The best time to switch policies is | | rights or property of another. |
| Rochester | | within one month of receiving your | | |
| Kalamazoo | | policy renewal from your current | | Policy Anniversary: The anniversary |
| Pembroke Pines | | insurer. You can typically cancel your | | of the date of issue of a policy as |
| Warren | | policy without any fees or penalties if | | shown in the policy declarations. |
| Dallas | | you act within this time period. | | |
