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| St. Louis | | Individuals who have 30-year | | We/Us/Our: These words are used to |
| Waco | | mortgages might want to consider a | | refer to the insurer in many of the |
| Greenville | | 30-year term to ensure that the house | | modernized/personalized policy |
| Newburgh | | is protected throughout the period of | | forms recently introduced. |
| Billings | | the loan. | | |
| Greensboro | | | | Underwriters Laboratories, Inc. (UL): A |
| Grand Junction | | If you decide to cancel your policy | | testing laboratory for manufactured |
| Detroit | | (after acquiring new coverage) | | items to determine their safety |
| Harlingen | | outside of the 30-day period, you may | | propensities. |
| Tucson | | have to pay a fee or penalty. | | |
| Peoria | | However, you may still save money | | Standard Industry Code (SIC): This is |
| Lawton | | after paying the fee if your new policy | | a coding system which assigns |
| Cleveland | | affords you significant savings. So | | separate codes for different types of |
| Cape Coral | | while it is best to wait until your | | industries. |
| Boise | | receive your renewal notice, you CAN | | |
| Huntington Beach | | cancel your policy at any time. | | Malicious Mischief: Similar to |
| Melbourne | | | | vandalism. Purposely damaging the |
| Clarksville | | Make sure you have a new policy in | | rights or property of another. |
| Venice | | place before you cancel your old one | | |
| Springfield | | to avoid a lapse in coverage. This will | | Exclusions: Specific situations, |
| Green Bay | | also prevent having to figure out the | | conditions, or circumstances that are |
| Woodbridge | | amount of any unused premium that is | | listed in the contract as being not |
| Bayside | | due to you from your old insurance | | covered. |
| Youngstown | | company, or having to spar with your | | |
| Rochester | | agent about exactly when your policy | | Renewal: The reestablishment of the |
| Decatur | | was cancelled and how much they | | in-force status of a policy, the term of |
| Elkhart | | owe you. | | which has expired or will expire |
| Berkeley | | | | unless it is renewed. |
| Newark | | Everyone has different needs, and | | |
| Long Island City | | not one size fits all when it comes to | | Shock Loss: A catastrophic loss so |
| Tyler | | term life insurance. While it may make | | large that it has a material effect on |
| Anchorage | | sense for people in their 30s and 40s | | the underwriting results of a company. |
| Carlsbad | | to secure a 20-year term length, a | | |
| Durham | | 10-year term might be more | | War Risk Insurance: Insurance |
| Santa Barbara | | appropriate for someone nearing | | covering damage caused by war. |
| Lancaster | | retirement. | | Most often written by Ocean Marine |
| Bakersfield | | | | Insurance companies covering |
| Philadelphia | | | | vessels. |
