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| Cranston | | People who are trying to quit | | Capital Sum: The maximum lump sum |
| Berkeley | | smoking, for example, might be best | | payable in the event of accidental |
| Lakewood | | suited purchasing a shorter term (and | | death or dismemberment. |
| Poughkeepsie | | then replacing it with a longer term | | |
| Colorado Springs | | policy when they qualify for | | Agency Contract (or Agreement): The |
| Dayton | | non-tobacco prices). | | document which establishes the legal |
| Pittsburgh | | | | relationship between an agent and an |
| Los Angeles | | The best time to switch policies is | | insurer. |
| Portsmouth | | within one month of receiving your | | |
| Jackson | | policy renewal from your current | | Provisions: Statements contained in |
| Stuart | | insurer. You can typically cancel your | | an insurance policy which explain the |
| Bradenton | | policy without any fees or penalties if | | benefits, conditions and other |
| Lima | | you act within this time period. | | features of the insurance contract. |