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| Dearborn | | We offer quotes for auto insurance, | | War Risk Insurance: Insurance |
| Manchester | | life insurance, homeowners | | covering damage caused by war. |
| Sumter | | insurance, health insurance, term life | | Most often written by Ocean Marine |
| Fort Wayne | | insurance and more. | | Insurance companies covering |
| Escondido | | | | vessels. |
| Goldsboro | | Make sure you have a new policy in | | |
| Seattle | | place before you cancel your old one | | Agent's Qualification Law: Education, |
| Fort Myers | | to avoid a lapse in coverage. This will | | experience, and other requirements |
| Redlands | | also prevent having to figure out the | | imposed by the state upon persons |
| Bradenton | | amount of any unused premium that is | | desiring to be licensed as agents. |
| Yuma | | due to you from your old insurance | | |
| Daytona Beach | | company, or having to spar with your | | Policy Anniversary: The anniversary |
| Lowell | | agent about exactly when your policy | | of the date of issue of a policy as |
| Columbus | | was cancelled and how much they | | shown in the policy declarations. |
| Gainesville | | owe you. | | |
| Costa Mesa | | | | Commission of Authority: A document |
| Columbia | | If you decide to cancel your policy | | outlining the powers delegated to an |
| Slidell | | (after acquiring new coverage) | | agent by an insurer. |
| Burbank | | outside of the 30-day period, you may | | |
| Flushing | | have to pay a fee or penalty. | | Fiduciary: A person holding the funds |
| Huntington Beach | | However, you may still save money | | or property of another in a position of |
| Savannah | | after paying the fee if your new policy | | trust. An example would be the |
| Louisville | | affords you significant savings. So | | executor of an estate. |
| Longview | | while it is best to wait until your | | |
| Rapid City | | receive your renewal notice, you CAN | | Mandatory Valuation Reserve: A |
| Arlington | | cancel your policy at any time. | | reserve required by a state law to |
| New Orleans | | | | offset any declines in the valuation of |
| Lafayette | | The best time to switch policies is | | securities listed as admitted assets. |
| Littleton | | within one month of receiving your | | |
| Santa Rosa | | policy renewal from your current | | Collusion: An agreement, usually |
| Orlando | | insurer. You can typically cancel your | | secret, between two or more persons |
| Acworth | | policy without any fees or penalties if | | to defraud or deprive another or |
| Cedar Rapids | | you act within this time period. | | others of their property or rights. |
