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| Tuscaloosa | | Make sure you have a new policy in | | Lloyd's Broker: A person who has the |
| Chandler | | place before you cancel your old one | | authority to negotiate insurance |
| Long Island City | | to avoid a lapse in coverage. This will | | contracts with the underwriters on the |
| Odessa | | also prevent having to figure out the | | floor at Lloyd's. |
| Dallas | | amount of any unused premium that is | | |
| Lake Worth | | due to you from your old insurance | | Professional Insurance Agents |
| Los Angeles | | company, or having to spar with your | | Association: A trade association of |
| Costa Mesa | | agent about exactly when your policy | | mutual insurance agents. |
| Sterling Heights | | was cancelled and how much they | | |
| Providence | | owe you. | | Loss Frequency: The number of times |
| Grand Rapids | | | | a loss occurs over a specific period |
| Richmond | | We offer quotes for auto insurance, | | of time. |
| Tallahassee | | life insurance, homeowners | | |
| Scranton | | insurance, health insurance, term life | | Independent Contractor: One who |
| Bloomington | | insurance and more. | | agrees to perform according to a |
| Buffalo | | | | contract and who is not an employee. |
| Yuma | | Everyone has different needs, and | | |
| Acworth | | not one size fits all when it comes to | | Business: In Property, Liability, and |
| Coral Springs | | term life insurance. While it may make | | Health lines, it usually refers to the |
| Clarksville | | sense for people in their 30s and 40s | | volume of premiums. |
| Stockton | | to secure a 20-year term length, a | | |
| Carlsbad | | 10-year term might be more | | Flat Cancellation: A policy which is |
| Los Angeles | | appropriate for someone nearing | | cancelled upon its effective date. |
| Athens | | retirement. | | Usually under a flat cancellation no |
| Houma | | | | premium charge is made. |
| New Orleans | | If you decide to cancel your policy | | |
| San Francisco | | (after acquiring new coverage) | | Accidental Bodily Injury: An injury |
| Rockville | | outside of the 30-day period, you may | | sustained accidentally. Only the result |
| Miami | | have to pay a fee or penalty. | | need be accidental. Contrast with |
| Johnson City | | However, you may still save money | | Accidental Means. |
| Harlingen | | after paying the fee if your new policy | | |
| St. Louis | | affords you significant savings. So | | Admitted (or Allowed) Assets: Assets |
| Redlands | | while it is best to wait until your | | whose values are permitted by state |
| Flushing | | receive your renewal notice, you CAN | | law to be included in the annual |
| Garland | | cancel your policy at any time. | | statement of the insurer. |
