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| Sioux Falls | | If you decide to cancel your policy | | War Risk Insurance: Insurance |
| Palo Alto | | (after acquiring new coverage) | | covering damage caused by war. |
| Macon | | outside of the 30-day period, you may | | Most often written by Ocean Marine |
| Sumter | | have to pay a fee or penalty. | | Insurance companies covering |
| Little Rock | | However, you may still save money | | vessels. |
| Billings | | after paying the fee if your new policy | | |
| Frederick | | affords you significant savings. So | | Not Taken: Policies applied for and |
| West Chester | | while it is best to wait until your | | issued but rejected by the proposed |
| Turlock | | receive your renewal notice, you CAN | | owner and not paid for. |
| Harrisburg | | cancel your policy at any time. | | |
| Boise | | | | Malicious Mischief: Similar to |
| Elkhart | | Everyone has different needs, and | | vandalism. Purposely damaging the |
| Baltimore | | not one size fits all when it comes to | | rights or property of another. |
| Spokane | | term life insurance. While it may make | | |
| Jackson | | sense for people in their 30s and 40s | | Commission of Authority: A document |
| Garland | | to secure a 20-year term length, a | | outlining the powers delegated to an |
| Marietta | | 10-year term might be more | | agent by an insurer. |
| Boca Raton | | appropriate for someone nearing | | |
| Tallahassee | | retirement. | | Buy-Back" Deductible: A deductible |
| Las Cruces | | | | which may be eliminated for an |
| Olympia | | While some companies raise their | | additional premium in order to |
| Detroit | | prices based on your actual age, | | provide "first-dollar" coverage. |
| Stockton | | most companies increase the price of | | |
| Lansing | | their policies six months before your | | Liquidity: The ability of an insurer to |
| Huntington | | birthday. Its a term called Age | | convert its assets into cash to pay |
| Fullerton | | Nearest in the industry, and that | | claims if necessary. |
| Worcester | | half-year price increase could really | | |
| Lawrenceville | | add up over a 20-year term policy. As | | Tabular Plan: A retrospective rating |
| Memphis | | above, the quicker you purchase your | | plan, which uses tables to furnish the |
| Mountain View | | policy the better. | | various values for the rating formula. |
