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| Grand Prairie | | Everyone has different needs, and | | Appraisal: An evaluation of property |
| Cookeville | | not one size fits all when it comes to | | made to ascertain either the |
| Kalamazoo | | term life insurance. While it may make | | appropriate amount of insurance to |
| Woodbridge | | sense for people in their 30s and 40s | | be written or the amount of loss to be |
| Flint | | to secure a 20-year term length, a | | paid. |
| Greensboro | | 10-year term might be more | | |
| Silver Spring | | appropriate for someone nearing | | We/Us/Our: These words are used to |
| Fredericksburg | | retirement. | | refer to the insurer in many of the |
| Atlanta | | | | modernized/personalized policy |
| Stockton | | The best time to switch policies is | | forms recently introduced. |
| Williamsburg | | within one month of receiving your | | |
| Independence | | policy renewal from your current | | American Risk and Insurance |
| Scranton | | insurer. You can typically cancel your | | Association: An association of |
| Myrtle Beach | | policy without any fees or penalties if | | insurance educators and others |
| Waco | | you act within this time period. | | interested in insurance study and |
| New York | | | | research. |
| Long Beach | | People who are trying to quit | | |
| Brooklyn | | smoking, for example, might be best | | Premium: The price of insurance |
| Olympia | | suited purchasing a shorter term (and | | protection for a specified risk for a |
| Longwood | | then replacing it with a longer term | | specified period of time. |
| Colorado Springs | | policy when they qualify for | | |
| Zanesville | | non-tobacco prices). | | Brokerage Business: Business |
| Olympia | | | | offered to an insurer by a broker. This |
| Albany | | If you decide to cancel your policy | | is sometimes called excess or |
| Schaumburg | | (after acquiring new coverage) | | surplus business. |
| Lexington | | outside of the 30-day period, you may | | |
| Ventura | | have to pay a fee or penalty. | | Insurance Policy: The printed form |
| St. Joseph | | However, you may still save money | | which serves as the contract between |
| Columbia | | after paying the fee if your new policy | | an insurer and an insured. |
| Stamford | | affords you significant savings. So | | |
| Downey | | while it is best to wait until your | | Insurance Examiner: The |
| Seattle | | receive your renewal notice, you CAN | | representative of a state insurance |
| St. Louis | | cancel your policy at any time. | | department assigned to participate in |
| Bloomington | | | | the official audit and examination of |
| North Hollywood | | | | an insurer. |
