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| Venice | | We offer quotes for auto insurance, | | Minimum Premium: The smallest |
| Tallahassee | | life insurance, homeowners | | amount of premium for which an |
| Burbank | | insurance, health insurance, term life | | insurer will issue coverage under a |
| Reno | | insurance and more. | | given policy. |
| Springfield | | | | |
| Norfolk | | If you decide to cancel your policy | | Agency Contract (or Agreement): The |
| Cranston | | (after acquiring new coverage) | | document which establishes the legal |
| Jackson | | outside of the 30-day period, you may | | relationship between an agent and an |
| Reno | | have to pay a fee or penalty. | | insurer. |
| Williamsburg | | However, you may still save money | | |
| Belleville | | after paying the fee if your new policy | | Independent Agent: An agent |
| El Cajon | | affords you significant savings. So | | operating as an independent |
| Panama City | | while it is best to wait until your | | contractor under the independent |
| Rochester | | receive your renewal notice, you CAN | | agency system. |
| Providence | | cancel your policy at any time. | | |
| Mansfield | | | | Brokerage Department: A department |
| Grand Junction | | Healthy people have the best | | of an insurer whose purpose is to |
| Lawton | | mortality risks and thus are much | | deal with brokers in the placing of |
| Lorain | | cheaper for companies to insure. This | | insurance. |
| Sumter | | translates into lower rates for the | | |
| Quincy | | Super Preferred customer than | | Lapsed Policy: One which has been |
| Poughkeepsie | | someone with higher risk factors such | | allowed to expire because of |
| Harlingen | | as a heart condition, cancer or | | nonpayment of premiums. |
| Bayside | | diabetes. Conversely, if you were | | |
| New York | | unhealthy when you acquired your | | Effective Date: The date on which the |
| Boston | | policy, and your health has now | | protection of an insurance policy or |
| Sioux Falls | | improved, it might be time to shop for | | bond goes into effect. |
| Bellevue | | a new policy, as your rates are likely | | |
| Cambridge | | to be lower. | | Calendar Year Experience: This |
| Palm Desert | | | | measures the premiums and losses |
| Staten Island | | People who are trying to quit | | entered on accounting records during |
| Chattanooga | | smoking, for example, might be best | | the 12-month calendar. |
| Rockville | | suited purchasing a shorter term (and | | |
| Naples | | then replacing it with a longer term | | Replacement: A new policy written to |
| Worcester | | policy when they qualify for | | take the place of one currently in force. |
| Pasadena | | non-tobacco prices). | | |
