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| Cape Coral | | People who are trying to quit | | Renewal: The reestablishment of the |
| Burbank | | smoking, for example, might be best | | in-force status of a policy, the term of |
| Slidell | | suited purchasing a shorter term (and | | which has expired or will expire |
| Lexington | | then replacing it with a longer term | | unless it is renewed. |
| Fort Wayne | | policy when they qualify for | | |
| Venice | | non-tobacco prices). | | Business: In Property, Liability, and |
| Fort Wayne | | | | Health lines, it usually refers to the |
| Clearwater | | Individuals who have 30-year | | volume of premiums. |
| Bloomington | | mortgages might want to consider a | | |
| Palm Desert | | 30-year term to ensure that the house | | Agency Contract (or Agreement): The |
| Sacramento | | is protected throughout the period of | | document which establishes the legal |
| Muncie | | the loan. | | relationship between an agent and an |
| Bellevue | | | | insurer. |
| Tacoma | | Shopping around is the best way to | | |
| White Plains | | save money on your insurance. | | Gross Line: The total limit accepted |
| Memphis | | | | by an insurer on an individual risk, |
| Sarasota | | Life insurance, specifically Term Life, | | including the amount to be reinsured. |
| Salt Lake City | | is arguably one of the best values in | | |
| Hendersonville | | the entire financial services arena. | | Calendar Year Experience: This |
| Longview | | Where else can you go and get | | measures the premiums and losses |
| Jackson | | hundreds of thousands of dollars in | | entered on accounting records during |
| Raleigh | | protection for literally pennies per | | the 12-month calendar. |
| Long Beach | | day? Rates for Term Life insurance | | |
| Jasper | | remain at all-time lows, and now is the | | Agent's License: A certificate of |
| Anaheim | | time to lock in the best prices. | | authority from the state which permits |
| Dothan | | | | the agent to conduct business. |
| Arlington | | If you decide to cancel your policy | | |
| Hollywood | | (after acquiring new coverage) | | Endorsement: A written or printed form |
| Duluth | | outside of the 30-day period, you may | | attached to the policy which alters |
| Jasper | | have to pay a fee or penalty. | | provisions of the contract. |
| Rochester | | However, you may still save money | | |
| St. Louis | | after paying the fee if your new policy | | Policywriting Agent: An agent who has |
| Fall River | | affords you significant savings. So | | the authority to prepare and effect an |
| Scottsdale | | while it is best to wait until your | | insurer's policy. |
| Muskegon | | receive your renewal notice, you CAN | | |
| Santa Rosa | | cancel your policy at any time. | | |
