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| Hollywood | | The best time to switch policies is | | Retrospective Premium: The final |
| Denton | | within one month of receiving your | | premium in a retrospective rating |
| Boulder | | policy renewal from your current | | plan. See Retrospective Rating. |
| Greensboro | | insurer. You can typically cancel your | | |
| Jersey City | | policy without any fees or penalties if | | You/Your: These words are used to |
| Tulsa | | you act within this time period. | | refer to the named insured in many of |
| Morristown | | | | the modernized/personalized policy |
| Los Angeles | | People who are trying to quit | | forms. |
| Fall River | | smoking, for example, might be best | | |
| Akron | | suited purchasing a shorter term (and | | Agent's Qualification Law: Education, |
| Dallas | | then replacing it with a longer term | | experience, and other requirements |
| Johnson City | | policy when they qualify for | | imposed by the state upon persons |
| Fall River | | non-tobacco prices). | | desiring to be licensed as agents. |
