Frankfort Insurance

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Staten Island	People who are trying to quit	Mandatory Valuation Reserve: A
Clinton Township	smoking, for example, might be best	reserve required by a state law to
Memphis	suited purchasing a shorter term (and	offset any declines in the valuation of
Newark	then replacing it with a longer term	securities listed as admitted assets.
Warwick	policy when they qualify for
Newark	non-tobacco prices).	War Risk Insurance: Insurance
Evansville		covering damage caused by war.
Troy	If you decide to cancel your policy	Most often written by Ocean Marine
Bellevue	(after acquiring new coverage)	Insurance companies covering
Valdosta	outside of the 30-day period, you may	vessels.
Lakewood	have to pay a fee or penalty.
Spartanburg	However, you may still save money	Standard Industry Code (SIC): This is
Plano	after paying the fee if your new policy	a coding system which assigns
Reading	affords you significant savings. So	separate codes for different types of
San Diego	while it is best to wait until your	industries.
Texarkana	receive your renewal notice, you CAN
Philadelphia	cancel your policy at any time.	Tariff Rate: A rate established by a
Winter Haven		rating organization, which comes from
Frederick	Everyone has different needs, and	the tables, schedules and rules found
Greensboro	not one size fits all when it comes to	in the tariff of rates.
Corona	term life insurance. While it may make
Fremont	sense for people in their 30s and 40s	Accident Year Experience: Measures
Dubuque	to secure a 20-year term length, a	premiums and losses relating to
Santa Rosa	10-year term might be more	accidents which occurred during a
Gulfport	appropriate for someone nearing	12-month period.
Columbia	retirement.
Woodbridge		Initial Premium: An amount paid at the
San Jose	Make sure you have a new policy in	inception of an insurance contract,
Wilmington	place before you cancel your old one	usually subject to adjustment at the
Waterloo	to avoid a lapse in coverage. This will	end of the policy period.
Livonia	also prevent having to figure out the
Daytona Beach	amount of any unused premium that is	Effective Date: The date on which the
High Point	due to you from your old insurance	protection of an insurance policy or
Lancaster	company, or having to spar with your	bond goes into effect.
Southfield	agent about exactly when your policy
Asheville	was cancelled and how much they
Corona	owe you.