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| Lorain | | Make sure you have a new policy in | | Overlapping Insurance: Coverage |
| Lima | | place before you cancel your old one | | from two or more policies or insurers |
| New York | | to avoid a lapse in coverage. This will | | which duplicates coverage of certain |
| Killeen | | also prevent having to figure out the | | risks. |
| Lawton | | amount of any unused premium that is | | |
| Troy | | due to you from your old insurance | | Agent's License: A certificate of |
| Ocala | | company, or having to spar with your | | authority from the state which permits |
| Council Bluffs | | agent about exactly when your policy | | the agent to conduct business. |
| Gulfport | | was cancelled and how much they | | |
| Davenport | | owe you. | | Equity: The money value of an |
| Springfield | | | | insurance company that is over and |
| Ogden | | The best time to switch policies is | | above its liabilities. Liabilities include |
| Greensboro | | within one month of receiving your | | almost all of its reserves. |
| Lakewood | | policy renewal from your current | | |
| Longmont | | insurer. You can typically cancel your | | Examiner: An employee assigned by |
| Dallas | | policy without any fees or penalties if | | the state insurance department to |
| Corona | | you act within this time period. | | audit insurers' records. |
