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| Albany | | People who are trying to quit | | Level Commission System: A system |
| Fort Lauderdale | | smoking, for example, might be best | | of commissions in which the first year |
| Seattle | | suited purchasing a shorter term (and | | and all renewal commissions are the |
| Jacksonville | | then replacing it with a longer term | | same percentage of the premium. |
| Ann Arbor | | policy when they qualify for | | |
| Palm Desert | | non-tobacco prices). | | Exclusions: Specific situations, |
| Mountain View | | | | conditions, or circumstances that are |
| San Diego | | Make sure you have a new policy in | | listed in the contract as being not |
| Corpus Christi | | place before you cancel your old one | | covered. |
| Daytona Beach | | to avoid a lapse in coverage. This will | | |
| Virginia Beach | | also prevent having to figure out the | | Absolute Assignment: Assignment by |
| Oakland | | amount of any unused premium that is | | a policy owner of all control of and |
| St. Paul | | due to you from your old insurance | | rights in the policy to a third party. |
| Wilmington | | company, or having to spar with your | | |
| South Bend | | agent about exactly when your policy | | Submitted Business: Applications for |
| Las Cruces | | was cancelled and how much they | | insurance submitted to an insurer but |
| Grand Rapids | | owe you. | | not yet acted upon by it. |
