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| Irving | | Individuals who have 30-year | | Stock Option Plan: Surviving |
| Dayton | | mortgages might want to consider a | | stockholders have the option to |
| Salt Lake City | | 30-year term to ensure that the house | | purchase or not purchase the shares |
| Fairfax | | is protected throughout the period of | | of a deceased stockholder. |
| Newburgh | | the loan. | | |
| Washington | | | | Substandard Risk: A risk not |
| Malden | | Shopping around is the best way to | | measuring up to underwriting |
| Raleigh | | save money on your insurance. | | standards. It may still be written but |
| Muskegon | | | | usually at a surcharged premium. |
| San Diego | | While some companies raise their | | |
| Tempe | | prices based on your actual age, | | Commingling: An illegal practice |
| Baltimore | | most companies increase the price of | | which occurs when an agent mixes |
| Hendersonville | | their policies six months before your | | personal funds with the insured's or |
| Duluth | | birthday. Its a term called Age | | insurer's funds. |
| South Bend | | Nearest in the industry, and that | | |
| Scranton | | half-year price increase could really | | Society of Insurance Research: An |
| Toms River | | add up over a 20-year term policy. As | | organization which encourages |
| Harrisburg | | above, the quicker you purchase your | | insurance research and promotes the |
| Abilene | | policy the better. | | exchange of ideas and methods of |
| Littleton | | | | research. |
| Decatur | | If you decide to cancel your policy | | |
| St. Paul | | (after acquiring new coverage) | | First Party Insurance: Insurance which |
| Odessa | | outside of the 30-day period, you may | | applies to coverage for the insured's |
| Whittier | | have to pay a fee or penalty. | | own property or person. Contrast with |
| Columbia | | However, you may still save money | | Third Party Insurance. |
| Spartanburg | | after paying the fee if your new policy | | |
| Ann Arbor | | affords you significant savings. So | | Buy-Back" Deductible: A deductible |
| Waterloo | | while it is best to wait until your | | which may be eliminated for an |
| Oakland | | receive your renewal notice, you CAN | | additional premium in order to |
| Chula Vista | | cancel your policy at any time. | | provide "first-dollar" coverage. |
