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| El Cajon | | The best time to switch policies is | | Minimum Premium: The smallest |
| Hartford | | within one month of receiving your | | amount of premium for which an |
| Toledo | | policy renewal from your current | | insurer will issue coverage under a |
| Hampton | | insurer. You can typically cancel your | | given policy. |
| Elkhart | | policy without any fees or penalties if | | |
| Houston | | you act within this time period. | | Malicious Mischief: Similar to |
| Jacksonville | | | | vandalism. Purposely damaging the |
| Lima | | Life insurance, specifically Term Life, | | rights or property of another. |
| Lima | | is arguably one of the best values in | | |
| Vineland | | the entire financial services arena. | | Replacement: A new policy written to |
| Kalamazoo | | Where else can you go and get | | take the place of one currently in force. |
| Longmont | | hundreds of thousands of dollars in | | |
| Salt Lake City | | protection for literally pennies per | | Absolute Assignment: Assignment by |
| Dothan | | day? Rates for Term Life insurance | | a policy owner of all control of and |
| Sioux Falls | | remain at all-time lows, and now is the | | rights in the policy to a third party. |
| Schaumburg | | time to lock in the best prices. | | |
| Wichita Falls | | | | Expense Allowance: A compensation |
| Troy | | Everyone has different needs, and | | paid to an insurance agent in excess |
| Norwalk | | not one size fits all when it comes to | | of prescribed commissions. |
| Odessa | | term life insurance. While it may make | | |
| Joliet | | sense for people in their 30s and 40s | | Amendment: A formal document |
| Austin | | to secure a 20-year term length, a | | which corrects or revises an |
| West Palm Beach | | 10-year term might be more | | insurance master policy. |
| Arlington | | appropriate for someone nearing | | |
| Franklin | | retirement. | | Independent Agent: An agent |
| San Francisco | | | | operating as an independent |
| Lafayette | | At InsWeb, you can compare free | | contractor under the independent |
| Springfield | | online insurance quotes from many of | | agency system. |
| Stamford | | the nations leading insurance | | |
| Troy | | companies. | | Commission of Authority: A document |
| West Palm Beach | | | | outlining the powers delegated to an |
| Jackson | | If you decide to cancel your policy | | agent by an insurer. |
| Spokane | | (after acquiring new coverage) | | |
| Harlingen | | outside of the 30-day period, you may | | Director of Insurance: A title used in |
| New Orleans | | have to pay a fee or penalty. | | some states for the head of the |
| Bloomington | | However, you may still save money | | department of insurance. |
| Nashua | | after paying the fee if your new policy | | |
| St. Louis | | affords you significant savings. So | | |
| Baltimore | | while it is best to wait until your | | |
| Honolulu | | receive your renewal notice, you CAN | | |
| Houston | | cancel your policy at any time. | | |
