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| Irvine | | People who are trying to quit | | Paid-In Surplus: Surplus paid in by |
| York | | smoking, for example, might be best | | stockholders, as contrasted with |
| Evanston | | suited purchasing a shorter term (and | | surplus earned through the |
| Flushing | | then replacing it with a longer term | | operations of a business. |
| Lexington | | policy when they qualify for | | |
| Ogden | | non-tobacco prices). | | Index Bureau Experience: A measure |
| Conroe | | | | of losses relating to claims reported |
| Joliet | | The best time to switch policies is | | through a claim office during a |
| Sioux Falls | | within one month of receiving your | | 12-month period. |
| Garland | | policy renewal from your current | | |
| Lexington | | insurer. You can typically cancel your | | Amendment: A formal document |
| Owensboro | | policy without any fees or penalties if | | which corrects or revises an |
| Boynton Beach | | you act within this time period. | | insurance master policy. |