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| Cincinnati | | While some companies raise their | | Nonassignable: A policy that the |
| Clarksville | | prices based on your actual age, | | owner cannot assign to a third party. |
| Beaumont | | most companies increase the price of | | Most policies are nonassignable |
| Zanesville | | their policies six months before your | | unless approval is given by the |
| Berkeley | | birthday. Its a term called Age | | insurer. |
| Little Rock | | Nearest in the industry, and that | | |
| Columbus | | half-year price increase could really | | Collusion: An agreement, usually |
| Lowell | | add up over a 20-year term policy. As | | secret, between two or more persons |
| Hickory | | above, the quicker you purchase your | | to defraud or deprive another or |
| West Chester | | policy the better. | | others of their property or rights. |