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| Independence | | We offer quotes for auto insurance, | | Countersignature: The signature of a |
| Arlington | | life insurance, homeowners | | licensed agent or representative on a |
| Biloxi | | insurance, health insurance, term life | | policy. |
| Flint | | insurance and more. | | |
| Clinton Township | | | | Retail Credit Company: The former |
| Edmond | | Make sure you have a new policy in | | name of Equifax, a credit reporting |
| Savannah | | place before you cancel your old one | | organization. See Equifax. |
| Wilmington | | to avoid a lapse in coverage. This will | | |
| Harlingen | | also prevent having to figure out the | | We/Us/Our: These words are used to |
| Kalamazoo | | amount of any unused premium that is | | refer to the insurer in many of the |
| West Palm Beach | | due to you from your old insurance | | modernized/personalized policy |
| Spartanburg | | company, or having to spar with your | | forms recently introduced. |
| Louisville | | agent about exactly when your policy | | |
| Athens | | was cancelled and how much they | | Agency: An insurance sales office |
| Riverside | | owe you. | | which is directed by a agent, |
| Trenton | | | | manager, independent agent, or |
| Denton | | Healthy people have the best | | company manager. |
| Vancouver | | mortality risks and thus are much | | |
| Salt Lake City | | cheaper for companies to insure. This | | Loss Frequency: The number of times |
| Malden | | translates into lower rates for the | | a loss occurs over a specific period |
| Springfield | | Super Preferred customer than | | of time. |
| Lake Charles | | someone with higher risk factors such | | |
| Cherry Hill | | as a heart condition, cancer or | | Admitted (or Allowed) Assets: Assets |
| Gulfport | | diabetes. Conversely, if you were | | whose values are permitted by state |
| Dallas | | unhealthy when you acquired your | | law to be included in the annual |
| Memphis | | policy, and your health has now | | statement of the insurer. |
| Columbus | | improved, it might be time to shop for | | |
| Wichita | | a new policy, as your rates are likely | | Other Insurance: The existence of |
| Glendale | | to be lower. | | other contracts covering the same |
| Lafayette | | | | interest and perils. |
| Killeen | | If you decide to cancel your policy | | |
| El Cajon | | (after acquiring new coverage) | | Level Commission System: A system |
| Fremont | | outside of the 30-day period, you may | | of commissions in which the first year |
| Valdosta | | have to pay a fee or penalty. | | and all renewal commissions are the |
| Chula Vista | | However, you may still save money | | same percentage of the premium. |
| St. Joseph | | after paying the fee if your new policy | | |
| Harlingen | | affords you significant savings. So | | |
| Cranston | | while it is best to wait until your | | |
| Fall River | | receive your renewal notice, you CAN | | |
| Bronx | | cancel your policy at any time. | | |
