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| South Bend | | If you decide to cancel your policy | | Exclusions: Specific situations, |
| Glendale | | (after acquiring new coverage) | | conditions, or circumstances that are |
| Hollywood | | outside of the 30-day period, you may | | listed in the contract as being not |
| Waco | | have to pay a fee or penalty. | | covered. |
| Birmingham | | However, you may still save money | | |
| Joliet | | after paying the fee if your new policy | | Loss Adjustment Expense: The cost |
| Long Island City | | affords you significant savings. So | | of adjusting losses, excluding the |
| Torrance | | while it is best to wait until your | | amount of the loss itself. |
| Palm Harbor | | receive your renewal notice, you CAN | | |
| York | | cancel your policy at any time. | | Foreign Insurer: An insurer domiciled |
| Billings | | | | in a state of the United States other |
| Anchorage | | People who are trying to quit | | than the one in which the insured's |
| Columbus | | smoking, for example, might be best | | insurance is written. |
| Columbus | | suited purchasing a shorter term (and | | |
| Atlanta | | then replacing it with a longer term | | Collusion: An agreement, usually |
| Hot Springs | | policy when they qualify for | | secret, between two or more persons |
| Odessa | | non-tobacco prices). | | to defraud or deprive another or |
| Wilmington | | | | others of their property or rights. |
| Rockville | | Everyone has different needs, and | | |
| Sioux Falls | | not one size fits all when it comes to | | Lloyd's Broker: A person who has the |
| Kansas City | | term life insurance. While it may make | | authority to negotiate insurance |
| Clinton Township | | sense for people in their 30s and 40s | | contracts with the underwriters on the |
| San Bernardino | | to secure a 20-year term length, a | | floor at Lloyd's. |
| Chicago | | 10-year term might be more | | |
| Hampton | | appropriate for someone nearing | | Agency Company: An insurance |
| Fayetteville | | retirement. | | company that produces business |
| White Plains | | | | through an agency network. Contrast |
| Newport News | | Individuals who have 30-year | | with Direct Writer. |
| Irving | | mortgages might want to consider a | | |
| Fall River | | 30-year term to ensure that the house | | United States Aircraft Insurance |
| Yonkers | | is protected throughout the period of | | Group: A group of insurers providing |
| Lakeland | | the loan. | | facilities for all forms of Aviation |
| Lakewood | | | | Insurance. |
| Stuart | | Why not take advantage of current | | |
| Owensboro | | low prices? Many auto insurance | | |
| Green Bay | | consumers are becoming educated | | |
| Dallas | | on other companies, plans, and rates | | |
| Racine | | that are available to them; ones that | | |
| Jacksonville | | could afford them significant savings | | |
| Rockford | | on their auto insurance. | | |
