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| Odessa | | If you decide to cancel your policy | | Lapsed Policy: One which has been |
| Glendale | | (after acquiring new coverage) | | allowed to expire because of |
| Westbury | | outside of the 30-day period, you may | | nonpayment of premiums. |
| Columbus | | have to pay a fee or penalty. | | |
| Fairfax | | However, you may still save money | | Replacement: A new policy written to |
| Amarillo | | after paying the fee if your new policy | | take the place of one currently in force. |
| New Orleans | | affords you significant savings. So | | |
| Springfield | | while it is best to wait until your | | Operating Expense: The expense of |
| Dallas | | receive your renewal notice, you CAN | | an insurer other than commissions |
| Denton | | cancel your policy at any time. | | and taxes. Called " and Insurance |
| Yonkers | | | | Expense" in the convention statement |
| Dothan | | Life insurance, specifically Term Life, | | blank. |
| Monroe | | is arguably one of the best values in | | |
| Texarkana | | the entire financial services arena. | | Nonadmitted Insurer: An insurer not |
| Virginia Beach | | Where else can you go and get | | licensed to do business in the |
| Portsmouth | | hundreds of thousands of dollars in | | jurisdiction in question. Same as |
| Indianapolis | | protection for literally pennies per | | Unauthorized Insurer and Unlicensed |
| Fort Smith | | day? Rates for Term Life insurance | | Insurer. |
| Huntington Beach | | remain at all-time lows, and now is the | | |
| Council Bluffs | | time to lock in the best prices. | | War Risk Insurance: Insurance |
| Anaheim | | | | covering damage caused by war. |
| Houston | | At InsWeb, you can compare free | | Most often written by Ocean Marine |
| Charlotte | | online insurance quotes from many of | | Insurance companies covering |
| Florence | | the nations leading insurance | | vessels. |
| Albany | | companies. | | |
| Union | | | | Tabular Plan: A retrospective rating |
| Vancouver | | Why not take advantage of current | | plan, which uses tables to furnish the |
| Oklahoma City | | low prices? Many auto insurance | | various values for the rating formula. |
| Sioux Falls | | consumers are becoming educated | | |
| Madison | | on other companies, plans, and rates | | Domestic Insurer (or Company): An |
| Turlock | | that are available to them; ones that | | insurer formed under the laws of the |
| Grand Prairie | | could afford them significant savings | | state in which the insurance is written. |
| Greensboro | | on their auto insurance. | | |
| El Cajon | | | | Multi-Peril Policies: Policies which |
| Yonkers | | | | cover a number of perils, such as fire, |
| St. Paul | | | | burglary, and liability, in a single |
| Canton | | | | contract. |
