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| Albany | | The best time to switch policies is | | Policy Period (or Term): The period |
| Norfolk | | within one month of receiving your | | during which the policy contract |
| Roanoke | | policy renewal from your current | | affords protection, e.g., six months or |
| Irvine | | insurer. You can typically cancel your | | one or three years. |
| Springfield | | policy without any fees or penalties if | | |
| Costa Mesa | | you act within this time period. | | Commingling: An illegal practice |
| Schaumburg | | | | which occurs when an agent mixes |
| Sioux City | | While some companies raise their | | personal funds with the insured's or |
| Jonesboro | | prices based on your actual age, | | insurer's funds. |
| Mansfield | | most companies increase the price of | | |
| Plano | | their policies six months before your | | Absolute Assignment: Assignment by |
| Corona | | birthday. Its a term called Age | | a policy owner of all control of and |
| St. Louis | | Nearest in the industry, and that | | rights in the policy to a third party. |
| Richmond | | half-year price increase could really | | |
| Dayton | | add up over a 20-year term policy. As | | Malicious Mischief: Similar to |
| Independence | | above, the quicker you purchase your | | vandalism. Purposely damaging the |
| Jasper | | policy the better. | | rights or property of another. |
