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| Las Vegas | | If you decide to cancel your policy | | Agent's License: A certificate of |
| Las Vegas | | (after acquiring new coverage) | | authority from the state which permits |
| Florence | | outside of the 30-day period, you may | | the agent to conduct business. |
| Jacksonville | | have to pay a fee or penalty. | | |
| Redlands | | However, you may still save money | | Agency Contract (or Agreement): The |
| Lorain | | after paying the fee if your new policy | | document which establishes the legal |
| Rochester | | affords you significant savings. So | | relationship between an agent and an |
| Costa Mesa | | while it is best to wait until your | | insurer. |
| Long Island City | | receive your renewal notice, you CAN | | |
| Pasadena | | cancel your policy at any time. | | Agency Company: An insurance |
| Mountain View | | | | company that produces business |
| Fullerton | | At InsWeb, you can compare free | | through an agency network. Contrast |
| Erie | | online insurance quotes from many of | | with Direct Writer. |
| Gaithersburg | | the nations leading insurance | | |
| Boynton Beach | | companies. | | Broker-Agent: One acting as an agent |
| Sacramento | | | | of one or more insurers and as a |
| Troy | | Life insurance, specifically Term Life, | | broker in dealing with one or more |
| Vineland | | is arguably one of the best values in | | other insurers. |
| Arlington | | the entire financial services arena. | | |
| Venice | | Where else can you go and get | | New For Old: Replacing old |
| Jacksonville | | hundreds of thousands of dollars in | | damaged parts or equipment with |
| Vineland | | protection for literally pennies per | | new ones rather than repairing them. |
| Poughkeepsie | | day? Rates for Term Life insurance | | |
| Rochester | | remain at all-time lows, and now is the | | Retrospective Premium: The final |
| Glendale | | time to lock in the best prices. | | premium in a retrospective rating |
| Schenectady | | | | plan. See Retrospective Rating. |
| Muskegon | | The quickest and easiest way to | | |
| Newark | | shop for new insurance is by | | Policywriting Agent: An agent who has |
| Newport News | | comparing rates at InsWebs online | | the authority to prepare and effect an |
| Conroe | | marketplace. If you do it the | | insurer's policy. |
| Philadelphia | | old-fashioned way (by calling or | | |
| Albuquerque | | visiting multiple agents or insurance | | Approved: The condition which exists |
| Franklin | | companies) it could take up a huge | | when the person or object to be |
| Schaumburg | | chunk of your time, which no one | | insured meets the underwriting |
| Ann Arbor | | wants or needs. By completing | | standards of the insurer. |
| Jackson | | InsWebs online application, you will | | |
| Los Angeles | | have rates to compare to your old | | |
| Denver | | ones within minutes! | | |
