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| Monroe | | The best time to switch policies is | | Agency Contract (or Agreement): The |
| Owensboro | | within one month of receiving your | | document which establishes the legal |
| Erie | | policy renewal from your current | | relationship between an agent and an |
| Gaithersburg | | insurer. You can typically cancel your | | insurer. |
| Lakeland | | policy without any fees or penalties if | | |
| Santa Rosa | | you act within this time period. | | Policywriting Agent: An agent who has |
| Raleigh | | | | the authority to prepare and effect an |
| Troy | | The quickest and easiest way to | | insurer's policy. |
| Monroe | | shop for new insurance is by | | |
| Chesapeake | | comparing rates at InsWebs online | | Brick Veneer Construction: Refers to |
| Joliet | | marketplace. If you do it the | | a building where the outside walls are |
| Portland | | old-fashioned way (by calling or | | constructed of wood with a facing of a |
| Newark | | visiting multiple agents or insurance | | single layer of brick. |
| Albany | | companies) it could take up a huge | | |
| Cedar Rapids | | chunk of your time, which no one | | Cut Rate: This term generally applies |
| Vancouver | | wants or needs. By completing | | to insurance companies who charge |
| Lincoln | | InsWebs online application, you will | | premiums below a normal or average |
| Hendersonville | | have rates to compare to your old | | rate. |
| Baton Rouge | | ones within minutes! | | |
| Des Moines | | | | Multi-Peril Policies: Policies which |
| Bay City | | Everyone has different needs, and | | cover a number of perils, such as fire, |
| Boston | | not one size fits all when it comes to | | burglary, and liability, in a single |
| Monroe | | term life insurance. While it may make | | contract. |
| Winter Haven | | sense for people in their 30s and 40s | | |
| Columbus | | to secure a 20-year term length, a | | Commingling: An illegal practice |
| Tallahassee | | 10-year term might be more | | which occurs when an agent mixes |
| Littleton | | appropriate for someone nearing | | personal funds with the insured's or |
| Yonkers | | retirement. | | insurer's funds. |
