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| Anderson | | If you decide to cancel your policy | | Exclusions: Specific situations, |
| Anchorage | | (after acquiring new coverage) | | conditions, or circumstances that are |
| Turlock | | outside of the 30-day period, you may | | listed in the contract as being not |
| Hickory | | have to pay a fee or penalty. | | covered. |
| Carlsbad | | However, you may still save money | | |
| Florence | | after paying the fee if your new policy | | Brokerage Department: A department |
| Sunnyvale | | affords you significant savings. So | | of an insurer whose purpose is to |
| Tampa | | while it is best to wait until your | | deal with brokers in the placing of |
| Duluth | | receive your renewal notice, you CAN | | insurance. |
| Trenton | | cancel your policy at any time. | | |
| Las Vegas | | | | Lloyd's Broker: A person who has the |
| Vero Beach | | Healthy people have the best | | authority to negotiate insurance |
| Wilmington | | mortality risks and thus are much | | contracts with the underwriters on the |
| Council Bluffs | | cheaper for companies to insure. This | | floor at Lloyd's. |
| Milwaukee | | translates into lower rates for the | | |
| Killeen | | Super Preferred customer than | | Multi-Peril Policies: Policies which |
| Longview | | someone with higher risk factors such | | cover a number of perils, such as fire, |
| Lansing | | as a heart condition, cancer or | | burglary, and liability, in a single |
| Florissant | | diabetes. Conversely, if you were | | contract. |
| Springfield | | unhealthy when you acquired your | | |
| Hollywood | | policy, and your health has now | | Net Interest Earned: The average |
| Vero Beach | | improved, it might be time to shop for | | interest earned by an insurer on its |
| El Paso | | a new policy, as your rates are likely | | investments after investment expense |
| Littleton | | to be lower. | | but before federal income taxes. |
