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| Atlanta | | If you decide to cancel your policy | | Open Rating: A system whereby a |
| Omaha | | (after acquiring new coverage) | | state allows an insurer to use rates |
| Santa Rosa | | outside of the 30-day period, you may | | without prior approval. |
| Corpus Christi | | have to pay a fee or penalty. | | |
| Carlsbad | | However, you may still save money | | Malicious Mischief: Similar to |
| Fayetteville | | after paying the fee if your new policy | | vandalism. Purposely damaging the |
| Flushing | | affords you significant savings. So | | rights or property of another. |
| Redlands | | while it is best to wait until your | | |
| Billings | | receive your renewal notice, you CAN | | Agency Contract (or Agreement): The |
| Lansing | | cancel your policy at any time. | | document which establishes the legal |
| Oxnard | | | | relationship between an agent and an |
| Cambridge | | At InsWeb, you can compare free | | insurer. |
| Vero Beach | | online insurance quotes from many of | | |
| Houston | | the nations leading insurance | | Legislative Risk: A risk faced by |
| Portland | | companies. | | investors whereby changes in tax |
| Mountain View | | | | laws can result in adverse effects on |
| Plano | | Shopping around is the best way to | | the individual's investment results. |
| Jasper | | save money on your insurance. | | |
| Johnstown | | | | Premium Notice: A form notice from |
| Fort Collins | | Everyone has different needs, and | | an insurer or agency to a policy |
| Fort Smith | | not one size fits all when it comes to | | owner that a premium will be due on a |
| Florissant | | term life insurance. While it may make | | given date. |
| Berkeley | | sense for people in their 30s and 40s | | |
| Irving | | to secure a 20-year term length, a | | Paid-In Surplus: Surplus paid in by |
| Cookeville | | 10-year term might be more | | stockholders, as contrasted with |
| Shreveport | | appropriate for someone nearing | | surplus earned through the |
| Cape Coral | | retirement. | | operations of a business. |
