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| Wilmington | | At InsWeb, you can compare free | | Level Commission System: A system |
| Sacramento | | online insurance quotes from many of | | of commissions in which the first year |
| Ocala | | the nations leading insurance | | and all renewal commissions are the |
| Las Vegas | | companies. | | same percentage of the premium. |
| Cape Coral | | | | |
| Waterloo | | The best time to switch policies is | | Policy Period (or Term): The period |
| Vineland | | within one month of receiving your | | during which the policy contract |
| New Port Richey | | policy renewal from your current | | affords protection, e.g., six months or |
| Lancaster | | insurer. You can typically cancel your | | one or three years. |
| Dayton | | policy without any fees or penalties if | | |
| Glendale | | you act within this time period. | | Net Interest Earned: The average |
| Lima | | | | interest earned by an insurer on its |
| Southfield | | We offer quotes for auto insurance, | | investments after investment expense |
| Kansas City | | life insurance, homeowners | | but before federal income taxes. |
| Seattle | | insurance, health insurance, term life | | |
| Littleton | | insurance and more. | | Captive Agent: One who sells |
| Oceanside | | | | insurance for only one company as |
| Montgomery | | If you decide to cancel your policy | | opposed to an agent who represents |
| Myrtle Beach | | (after acquiring new coverage) | | several companies. |
| Cookeville | | outside of the 30-day period, you may | | |
| Dothan | | have to pay a fee or penalty. | | Book Value: Refers to the value of |
| Longwood | | However, you may still save money | | assets as shown in the official |
| Inglewood | | after paying the fee if your new policy | | accounting records of the company. |
| Odessa | | affords you significant savings. So | | |
| St. Louis | | while it is best to wait until your | | Provisional Rate: Tentative rates, |
| Sioux City | | receive your renewal notice, you CAN | | premiums or commissions that are |
| Lake Charles | | cancel your policy at any time. | | subject to subsequent adjustment. |
| Oceanside | | | | See Commission and Premium. |
| Mansfield | | While some companies raise their | | |
| Lake Charles | | prices based on your actual age, | | Federal Deposit Insurance |
| Anderson | | most companies increase the price of | | Corporation (FDIC): An agency of the |
| Hartford | | their policies six months before your | | federal government which insures |
| Quincy | | birthday. Its a term called Age | | bank deposits up to a stated |
| Tallahassee | | Nearest in the industry, and that | | maximum. |
| Lafayette | | half-year price increase could really | | |
| Pueblo | | add up over a 20-year term policy. As | | |
| Chandler | | above, the quicker you purchase your | | |
| Metairie | | policy the better. | | |
