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| Vineland | | While some companies raise their | | Expense Allowance: A compensation |
| New Port Richey | | prices based on your actual age, | | paid to an insurance agent in excess |
| Anaheim | | most companies increase the price of | | of prescribed commissions. |
| Glendale | | their policies six months before your | | |
| Rochester | | birthday. Its a term called Age | | Loss Frequency: The number of times |
| Tucson | | Nearest in the industry, and that | | a loss occurs over a specific period |
| Topeka | | half-year price increase could really | | of time. |
| Grand Prairie | | add up over a 20-year term policy. As | | |
| Washington | | above, the quicker you purchase your | | Buy-Back" Deductible: A deductible |
| Orange | | policy the better. | | which may be eliminated for an |
| Edmond | | | | additional premium in order to |
| Jacksonville | | If you decide to cancel your policy | | provide "first-dollar" coverage. |
| Muncie | | (after acquiring new coverage) | | |
| Lafayette | | outside of the 30-day period, you may | | Convention Values: Values assigned |
| Glendale | | have to pay a fee or penalty. | | to insurers' assets in the convention |
| Lexington | | However, you may still save money | | blank. |
| Ogden | | after paying the fee if your new policy | | |
| Quincy | | affords you significant savings. So | | Initial Premium: An amount paid at the |
| Poughkeepsie | | while it is best to wait until your | | inception of an insurance contract, |
| Spring Hill | | receive your renewal notice, you CAN | | usually subject to adjustment at the |
| Eugene | | cancel your policy at any time. | | end of the policy period. |
