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| Zanesville | | People who are trying to quit | | Expense Allowance: A compensation |
| Irving | | smoking, for example, might be best | | paid to an insurance agent in excess |
| New York | | suited purchasing a shorter term (and | | of prescribed commissions. |
| Lincoln | | then replacing it with a longer term | | |
| Los Angeles | | policy when they qualify for | | Premium Notice: A form notice from |
| Longwood | | non-tobacco prices). | | an insurer or agency to a policy |
| Scottsdale | | | | owner that a premium will be due on a |
| Allentown | | The best time to switch policies is | | given date. |
| Fort Myers | | within one month of receiving your | | |
| Charlotte | | policy renewal from your current | | Paid-In Surplus: Surplus paid in by |
| Reno | | insurer. You can typically cancel your | | stockholders, as contrasted with |
| Louisville | | policy without any fees or penalties if | | surplus earned through the |
| Jackson | | you act within this time period. | | operations of a business. |
