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| Panama City | | If you decide to cancel your policy | | Examiner: An employee assigned by |
| Hartford | | (after acquiring new coverage) | | the state insurance department to |
| Coral Springs | | outside of the 30-day period, you may | | audit insurers' records. |
| Birmingham | | have to pay a fee or penalty. | | |
| Midland | | However, you may still save money | | Independent Agent: An agent |
| Goldsboro | | after paying the fee if your new policy | | operating as an independent |
| Bay City | | affords you significant savings. So | | contractor under the independent |
| Lakeland | | while it is best to wait until your | | agency system. |
| Akron | | receive your renewal notice, you CAN | | |
| Belleville | | cancel your policy at any time. | | Effective Date: The date on which the |
| Asheville | | | | protection of an insurance policy or |
| Allentown | | Why not take advantage of current | | bond goes into effect. |
| Rochester | | low prices? Many auto insurance | | |
| Union | | consumers are becoming educated | | Book Value: Refers to the value of |
| Sioux Falls | | on other companies, plans, and rates | | assets as shown in the official |
| Burbank | | that are available to them; ones that | | accounting records of the company. |
| Athens | | could afford them significant savings | | |
| Anchorage | | on their auto insurance. | | Independent Contractor: One who |
| New Port Richey | | | | agrees to perform according to a |
| Edmond | | Healthy people have the best | | contract and who is not an employee. |
| Duluth | | mortality risks and thus are much | | |
| Overland Park | | cheaper for companies to insure. This | | Losses Outstanding: A summary |
| Carlsbad | | translates into lower rates for the | | statement prepared by Property, Life, |
| Chattanooga | | Super Preferred customer than | | and Liability insurers showing claims |
| Acworth | | someone with higher risk factors such | | not yet settled. |
| Union | | as a heart condition, cancer or | | |
| Pensacola | | diabetes. Conversely, if you were | | American Risk and Insurance |
| Duluth | | unhealthy when you acquired your | | Association: An association of |
| Albany | | policy, and your health has now | | insurance educators and others |
| Santa Monica | | improved, it might be time to shop for | | interested in insurance study and |
| Portland | | a new policy, as your rates are likely | | research. |
| Lincoln | | to be lower. | | |
| Phoenix | | | | Tickler: A reminder system used to |
| Burbank | | Everyone has different needs, and | | call an individual's attention to actions |
| Greeley | | not one size fits all when it comes to | | that must be taken at a future point in |
| Milwaukee | | term life insurance. While it may make | | time. |
| Council Bluffs | | sense for people in their 30s and 40s | | |
| Palm Desert | | to secure a 20-year term length, a | | |
| Davenport | | 10-year term might be more | | |
| Tacoma | | appropriate for someone nearing | | |
| Duluth | | retirement. | | |
