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| Newark | | People who are trying to quit | | Foreign Insurer: An insurer domiciled |
| Fall River | | smoking, for example, might be best | | in a state of the United States other |
| San Bernardino | | suited purchasing a shorter term (and | | than the one in which the insured's |
| Torrance | | then replacing it with a longer term | | insurance is written. |
| Rome | | policy when they qualify for | | |
| Billings | | non-tobacco prices). | | Brokerage Business: Business |
| Springfield | | | | offered to an insurer by a broker. This |
| Grand Junction | | Make sure you have a new policy in | | is sometimes called excess or |
| Denver | | place before you cancel your old one | | surplus business. |
| Portland | | to avoid a lapse in coverage. This will | | |
| Riverside | | also prevent having to figure out the | | Index Bureau Experience: A measure |
| Boynton Beach | | amount of any unused premium that is | | of losses relating to claims reported |
| York | | due to you from your old insurance | | through a claim office during a |
| Santa Ana | | company, or having to spar with your | | 12-month period. |
| Hickory | | agent about exactly when your policy | | |
| Glendale | | was cancelled and how much they | | Capital Sum: The maximum lump sum |
| Kansas City | | owe you. | | payable in the event of accidental |
| Fort Worth | | | | death or dismemberment. |
| Jackson | | At InsWeb, you can compare free | | |
| Peoria | | online insurance quotes from many of | | Not Taken: Policies applied for and |
| Santa Barbara | | the nations leading insurance | | issued but rejected by the proposed |
| Portland | | companies. | | owner and not paid for. |
