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| Charlotte | | If you decide to cancel your policy | | Mutualization: The process of |
| Dothan | | (after acquiring new coverage) | | converting a stock insurer to a mutual |
| Worcester | | outside of the 30-day period, you may | | insurer, accomplished by having the |
| Lubbock | | have to pay a fee or penalty. | | insurer buy stock and retire it. |
| Atlanta | | However, you may still save money | | |
| Harlingen | | after paying the fee if your new policy | | Cash Flow Underwriting: The use of |
| El Paso | | affords you significant savings. So | | rating and premium collection |
| Minneapolis | | while it is best to wait until your | | techniques by insurance companies |
| Metairie | | receive your renewal notice, you CAN | | to maximize interest earnings on |
| Norfolk | | cancel your policy at any time. | | premiums. |