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| Clinton Township | | Individuals who have 30-year | | Brokerage Business: Business |
| Lakewood | | mortgages might want to consider a | | offered to an insurer by a broker. This |
| Providence | | 30-year term to ensure that the house | | is sometimes called excess or |
| Des Moines | | is protected throughout the period of | | surplus business. |
| Columbia | | the loan. | | |
| Torrance | | | | Policy Anniversary: The anniversary |
| Houston | | If you decide to cancel your policy | | of the date of issue of a policy as |
| Gainesville | | (after acquiring new coverage) | | shown in the policy declarations. |
| San Francisco | | outside of the 30-day period, you may | | |
| Pompano Beach | | have to pay a fee or penalty. | | Public Adjuster: An insurance adjuster |
| Bradenton | | However, you may still save money | | who represents an insured on a fee |
| Corona | | after paying the fee if your new policy | | basis in claims settlement. Contrast |
| Tampa | | affords you significant savings. So | | with Independent Adjuster. |
| Roanoke | | while it is best to wait until your | | |
| Wichita | | receive your renewal notice, you CAN | | Gross Premium: The net premium |
| Reno | | cancel your policy at any time. | | plus operating expenses, |
| Lake Charles | | | | commissions and other expenses. |
| Albuquerque | | People who are trying to quit | | |
| Inglewood | | smoking, for example, might be best | | Approved Roof: A term used in |
| Greenville | | suited purchasing a shorter term (and | | building construction. It indicates a |
| Riverside | | then replacing it with a longer term | | roof made of fire-resistive materials, |
| Rochester | | policy when they qualify for | | such as tile or asphalt shingles. |
| Poughkeepsie | | non-tobacco prices). | | |
| Lakeland | | | | Premium Receipt: The receipt given |
| Irvine | | The best time to switch policies is | | a policy owner for the payment of a |
| Evansville | | within one month of receiving your | | premium. |
| Bethlehem | | policy renewal from your current | | |
| Ventura | | insurer. You can typically cancel your | | Paid-In Surplus: Surplus paid in by |
| Vineland | | policy without any fees or penalties if | | stockholders, as contrasted with |
| Cypress | | you act within this time period. | | surplus earned through the |
| Tyler | | | | operations of a business. |
| Tulsa | | At InsWeb, you can compare free | | |
| Ventura | | online insurance quotes from many of | | Cut Rate: This term generally applies |
| Fullerton | | the nations leading insurance | | to insurance companies who charge |
| High Point | | companies. | | premiums below a normal or average |
| Pasadena | | | | rate. |
