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| Billings | | People who are trying to quit | | Agency: An insurance sales office |
| Birmingham | | smoking, for example, might be best | | which is directed by a agent, |
| Denton | | suited purchasing a shorter term (and | | manager, independent agent, or |
| Knoxville | | then replacing it with a longer term | | company manager. |
| Owensboro | | policy when they qualify for | | |
| Washington | | non-tobacco prices). | | Agent's Balance: A periodic |
| Pembroke Pines | | | | statement of the sums due and owed |
| Carlsbad | | While some companies raise their | | to an agent under the agent's contract |
| Greensboro | | prices based on your actual age, | | with an insurer. |
| El Cajon | | most companies increase the price of | | |
| Lexington | | their policies six months before your | | Malinger: To feign a disability for the |
| Yuma | | birthday. Its a term called Age | | purpose of continuing to collect |
| Athens | | Nearest in the industry, and that | | benefits longer than actually |
| Fredericksburg | | half-year price increase could really | | necessary. |
| Gainesville | | add up over a 20-year term policy. As | | |
| Quincy | | above, the quicker you purchase your | | Examiner: An employee assigned by |
| Omaha | | policy the better. | | the state insurance department to |
| Downey | | | | audit insurers' records. |
| Billings | | We offer quotes for auto insurance, | | |
| Edison | | life insurance, homeowners | | Net Interest Earned: The average |
| Bradenton | | insurance, health insurance, term life | | interest earned by an insurer on its |
| Lancaster | | insurance and more. | | investments after investment expense |
| Malden | | | | but before federal income taxes. |
| Alameda | | If you decide to cancel your policy | | |
| Union | | (after acquiring new coverage) | | Society of Insurance Research: An |
| Richmond | | outside of the 30-day period, you may | | organization which encourages |
| Sacramento | | have to pay a fee or penalty. | | insurance research and promotes the |
| High Point | | However, you may still save money | | exchange of ideas and methods of |
| White Plains | | after paying the fee if your new policy | | research. |
| Zanesville | | affords you significant savings. So | | |
| Richmond | | while it is best to wait until your | | Agent's Qualification Law: Education, |
| Augusta | | receive your renewal notice, you CAN | | experience, and other requirements |
| Stockbridge | | cancel your policy at any time. | | imposed by the state upon persons |
| Beaumont | | | | desiring to be licensed as agents. |
