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| Newport News | | Everyone has different needs, and | | Society of Insurance Research: An |
| Dallas | | not one size fits all when it comes to | | organization which encourages |
| Santa Ana | | term life insurance. While it may make | | insurance research and promotes the |
| Fredericksburg | | sense for people in their 30s and 40s | | exchange of ideas and methods of |
| Santa Barbara | | to secure a 20-year term length, a | | research. |
| Panama City | | 10-year term might be more | | |
| Charleston | | appropriate for someone nearing | | Preferred Risk: Any risk considered |
| Atlanta | | retirement. | | to be better than the standard risk on |
| Costa Mesa | | | | which the premium rate was |
| Norfolk | | Shopping around is the best way to | | calculated. |
| Cleveland | | save money on your insurance. | | |
| Sarasota | | | | Notice of Cancellation: Written notice |
| Cookeville | | The quickest and easiest way to | | by an insurer of intent to cancel |
| Franklin | | shop for new insurance is by | | insurance, or written notice by an |
| Staten Island | | comparing rates at InsWebs online | | insured requesting cancellation. |
| Little Rock | | marketplace. If you do it the | | |
| Baton Rouge | | old-fashioned way (by calling or | | Monoline Policy: Any insurance |
| Carlsbad | | visiting multiple agents or insurance | | coverage written as a single line |
| Sunnyvale | | companies) it could take up a huge | | policy. Contrast with Multiple Line or |
| Scottsdale | | chunk of your time, which no one | | Package policy. |
| Flint | | wants or needs. By completing | | |
| Sioux City | | InsWebs online application, you will | | Renewal: The reestablishment of the |
| Huntsville | | have rates to compare to your old | | in-force status of a policy, the term of |
| Schenectady | | ones within minutes! | | which has expired or will expire |
| Akron | | | | unless it is renewed. |
| Warren | | Make sure you have a new policy in | | |
| Madison | | place before you cancel your old one | | Endorsement: A written or printed form |
| Jonesboro | | to avoid a lapse in coverage. This will | | attached to the policy which alters |
| Abilene | | also prevent having to figure out the | | provisions of the contract. |
| Ocala | | amount of any unused premium that is | | |
| Whittier | | due to you from your old insurance | | Commercial Lines: This term is used |
| Pensacola | | company, or having to spar with your | | to refer to insurance for businesses, |
| Lima | | agent about exactly when your policy | | professionals, and commercial |
| Springfield | | was cancelled and how much they | | establishments. |
| Portsmouth | | owe you. | | |
