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| Little Rock | | The best time to switch policies is | | Fiduciary: A person holding the funds |
| Boise | | within one month of receiving your | | or property of another in a position of |
| Ogden | | policy renewal from your current | | trust. An example would be the |
| Bay City | | insurer. You can typically cancel your | | executor of an estate. |
| Lafayette | | policy without any fees or penalties if | | |
| Yuma | | you act within this time period. | | Flat Cancellation: A policy which is |
| Charlotte | | | | cancelled upon its effective date. |
| Clearwater | | People who are trying to quit | | Usually under a flat cancellation no |
| Portsmouth | | smoking, for example, might be best | | premium charge is made. |
| Topeka | | suited purchasing a shorter term (and | | |
| Huntington | | then replacing it with a longer term | | Underwriters Laboratories, Inc. (UL): A |
| Rome | | policy when they qualify for | | testing laboratory for manufactured |
| New Port Richey | | non-tobacco prices). | | items to determine their safety |
| Goldsboro | | | | propensities. |
| Scranton | | While some companies raise their | | |
| Burbank | | prices based on your actual age, | | Public Adjuster: An insurance adjuster |
| Newburgh | | most companies increase the price of | | who represents an insured on a fee |
| Naperville | | their policies six months before your | | basis in claims settlement. Contrast |
| Fort Smith | | birthday. Its a term called Age | | with Independent Adjuster. |
| Atlanta | | Nearest in the industry, and that | | |
| Fayetteville | | half-year price increase could really | | Building Code: This refers to |
| Wichita | | add up over a 20-year term policy. As | | municipal or other governmental |
| Whittier | | above, the quicker you purchase your | | ordinances regulating the type of |
| Decatur | | policy the better. | | construction of buildings within its |
| Hollywood | | | | jurisdiction. |
| Long Island City | | We offer quotes for auto insurance, | | |
| Hot Springs | | life insurance, homeowners | | Lloyd's Broker: A person who has the |
| Jackson | | insurance, health insurance, term life | | authority to negotiate insurance |
| Albuquerque | | insurance and more. | | contracts with the underwriters on the |
| Williamsburg | | | | floor at Lloyd's. |
| Birmingham | | If you decide to cancel your policy | | |
| Worcester | | (after acquiring new coverage) | | First Party Insurance: Insurance which |
| Shreveport | | outside of the 30-day period, you may | | applies to coverage for the insured's |
| Elkhart | | have to pay a fee or penalty. | | own property or person. Contrast with |
| Manchester | | However, you may still save money | | Third Party Insurance. |
| Stamford | | after paying the fee if your new policy | | |
| Downey | | affords you significant savings. So | | |
| Fresno | | while it is best to wait until your | | |
| San Jose | | receive your renewal notice, you CAN | | |
| Washington | | cancel your policy at any time. | | |
