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| Fayetteville | | People who are trying to quit | | Indemnity: Restoration to the victim of |
| Alpharetta | | smoking, for example, might be best | | a loss by payment, repair, or |
| Lakeland | | suited purchasing a shorter term (and | | replacement. |
| Slidell | | then replacing it with a longer term | | |
| Cleveland | | policy when they qualify for | | Borderline Risk: An insurance |
| Akron | | non-tobacco prices). | | prospect of doubtful quality from an |
| Boca Raton | | | | underwriting point of view. |
| Zanesville | | If you decide to cancel your policy | | |
| Fort Myers | | (after acquiring new coverage) | | Approved: The condition which exists |
| Cherry Hill | | outside of the 30-day period, you may | | when the person or object to be |
| Waco | | have to pay a fee or penalty. | | insured meets the underwriting |
| Turlock | | However, you may still save money | | standards of the insurer. |
| Jacksonville | | after paying the fee if your new policy | | |
| West Palm Beach | | affords you significant savings. So | | Net Retention: The amount of |
| Palm Desert | | while it is best to wait until your | | insurance that a ceding company |
| Cookeville | | receive your renewal notice, you CAN | | keeps for its own account and does |
| Edison | | cancel your policy at any time. | | not reinsure. |