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| Daytona Beach | | People who are trying to quit | | Foreign Insurer: An insurer domiciled |
| Alpharetta | | smoking, for example, might be best | | in a state of the United States other |
| Erie | | suited purchasing a shorter term (and | | than the one in which the insured's |
| Fort Collins | | then replacing it with a longer term | | insurance is written. |
| Fort Smith | | policy when they qualify for | | |
| Whittier | | non-tobacco prices). | | Countersignature: The signature of a |
| Portland | | | | licensed agent or representative on a |
| Baton Rouge | | Make sure you have a new policy in | | policy. |
| Irvine | | place before you cancel your old one | | |
| Stuart | | to avoid a lapse in coverage. This will | | Partnership Entity: The partnership |
| Denton | | also prevent having to figure out the | | considered as an entity and not in |
| Hollywood | | amount of any unused premium that is | | terms of its individual part-owners. |
| Hampton | | due to you from your old insurance | | |
| Clarksville | | company, or having to spar with your | | Society of Insurance Research: An |
| Flint | | agent about exactly when your policy | | organization which encourages |
| New Port Richey | | was cancelled and how much they | | insurance research and promotes the |
| Lexington | | owe you. | | exchange of ideas and methods of |
| Cypress | | | | research. |
| Hampton | | If you decide to cancel your policy | | |
| Greensboro | | (after acquiring new coverage) | | Exclusion: A contractual provision that |
| Cherry Hill | | outside of the 30-day period, you may | | denies coverage for certain perils, |
| Berkeley | | have to pay a fee or penalty. | | persons, property, or locations. |
| Duluth | | However, you may still save money | | |
| Coral Springs | | after paying the fee if your new policy | | Malinger: To feign a disability for the |
| Reno | | affords you significant savings. So | | purpose of continuing to collect |
| Spokane | | while it is best to wait until your | | benefits longer than actually |
| Lake Worth | | receive your renewal notice, you CAN | | necessary. |
| Rochester | | cancel your policy at any time. | | |
| New York | | | | Burning Ratio: The ratio of losses |
| Odessa | | While some companies raise their | | suffered to the amount of insurance in |
| Vero Beach | | prices based on your actual age, | | effect. |
| Vero Beach | | most companies increase the price of | | |
| Cypress | | their policies six months before your | | Insurance to Value: Insurance written |
| Bloomington | | birthday. Its a term called Age | | in an amount approximating the value |
| Muskegon | | Nearest in the industry, and that | | of the property insured. |
| Sumter | | half-year price increase could really | | |
| Shreveport | | add up over a 20-year term policy. As | | |
| Macon | | above, the quicker you purchase your | | |
| Las Cruces | | policy the better. | | |
