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| Columbia | | People who are trying to quit | | Loss Frequency: The number of times |
| Columbia | | smoking, for example, might be best | | a loss occurs over a specific period |
| Reading | | suited purchasing a shorter term (and | | of time. |
| Orange Park | | then replacing it with a longer term | | |
| Springfield | | policy when they qualify for | | Nonadmitted Insurer: An insurer not |
| Dearborn | | non-tobacco prices). | | licensed to do business in the |
| Brooklyn | | | | jurisdiction in question. Same as |
| Greeley | | Everyone has different needs, and | | Unauthorized Insurer and Unlicensed |
| North Hollywood | | not one size fits all when it comes to | | Insurer. |
| Toms River | | term life insurance. While it may make | | |
| Bay City | | sense for people in their 30s and 40s | | Retrospective Premium: The final |
| West Chester | | to secure a 20-year term length, a | | premium in a retrospective rating |
| Hot Springs | | 10-year term might be more | | plan. See Retrospective Rating. |
| Turlock | | appropriate for someone nearing | | |
| Oceanside | | retirement. | | Public Adjuster: An insurance adjuster |
| Sioux City | | | | who represents an insured on a fee |
| Ann Arbor | | At InsWeb, you can compare free | | basis in claims settlement. Contrast |
| Williamsport | | online insurance quotes from many of | | with Independent Adjuster. |
| Grand Rapids | | the nations leading insurance | | |
| Milwaukee | | companies. | | Overlapping Insurance: Coverage |
| Lowell | | | | from two or more policies or insurers |
| Staten Island | | Individuals who have 30-year | | which duplicates coverage of certain |
| Myrtle Beach | | mortgages might want to consider a | | risks. |
| Hendersonville | | 30-year term to ensure that the house | | |
| Dothan | | is protected throughout the period of | | Malicious Mischief: Similar to |
| Mobile | | the loan. | | vandalism. Purposely damaging the |
| Bay City | | | | rights or property of another. |
| Oxnard | | If you decide to cancel your policy | | |
| Cambridge | | (after acquiring new coverage) | | Accidental Bodily Injury: An injury |
| Naperville | | outside of the 30-day period, you may | | sustained accidentally. Only the result |
| Englewood | | have to pay a fee or penalty. | | need be accidental. Contrast with |
| St. Louis | | However, you may still save money | | Accidental Means. |
| Santa Monica | | after paying the fee if your new policy | | |
| Garland | | affords you significant savings. So | | Policy Anniversary: The anniversary |
| Wilmington | | while it is best to wait until your | | of the date of issue of a policy as |
| Santa Rosa | | receive your renewal notice, you CAN | | shown in the policy declarations. |
| Syracuse | | cancel your policy at any time. | | |
