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| South Bend | | The best time to switch policies is | | Absolute Assignment: Assignment by |
| Jackson | | within one month of receiving your | | a policy owner of all control of and |
| Tempe | | policy renewal from your current | | rights in the policy to a third party. |
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| Scranton | | policy without any fees or penalties if | | Independent Contractor: One who |
| Richmond | | you act within this time period. | | agrees to perform according to a |
| Columbus | | | | contract and who is not an employee. |
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| Chesapeake | | policy when they qualify for | | losses, and surplus during an |
| Lansing | | non-tobacco prices). | | accounting period. |
