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| Chula Vista | | Everyone has different needs, and | | FICA. Federal Insurance Contributions |
| Tempe | | not one size fits all when it comes to | | Act: A law imposing a payroll tax to |
| Atlanta | | term life insurance. While it may make | | assist in funding Social Security |
| Frederick | | sense for people in their 30s and 40s | | benefits. |
| Monroe | | to secure a 20-year term length, a | | |
| Flint | | 10-year term might be more | | Depreciation: A decrease in the value |
| Miami | | appropriate for someone nearing | | of any type of tangible property over |
| Fort Worth | | retirement. | | a period of time resulting from use, |
| Albany | | | | wear and tear, or obsolescence. |
| Scottsdale | | We offer quotes for auto insurance, | | |
| Cookeville | | life insurance, homeowners | | Provisional Rate: Tentative rates, |
| Chula Vista | | insurance, health insurance, term life | | premiums or commissions that are |
| Carlsbad | | insurance and more. | | subject to subsequent adjustment. |
| Sarasota | | | | See Commission and Premium. |
| Fort Smith | | If you decide to cancel your policy | | |
| Modesto | | (after acquiring new coverage) | | Professional Insurance Agents |
| Chesapeake | | outside of the 30-day period, you may | | Association: A trade association of |
| Salem | | have to pay a fee or penalty. | | mutual insurance agents. |
| Kalamazoo | | However, you may still save money | | |
| Jackson | | after paying the fee if your new policy | | Accident Year Experience: Measures |
| Stockbridge | | affords you significant savings. So | | premiums and losses relating to |
| Akron | | while it is best to wait until your | | accidents which occurred during a |
| Boston | | receive your renewal notice, you CAN | | 12-month period. |
| Chula Vista | | cancel your policy at any time. | | |
| Jackson | | | | Loss Frequency: The number of times |
| Waterloo | | Make sure you have a new policy in | | a loss occurs over a specific period |
| Naples | | place before you cancel your old one | | of time. |
| Scranton | | to avoid a lapse in coverage. This will | | |
| Fremont | | also prevent having to figure out the | | Retail Credit Company: The former |
| Cherry Hill | | amount of any unused premium that is | | name of Equifax, a credit reporting |
| Toledo | | due to you from your old insurance | | organization. See Equifax. |
| Anaheim | | company, or having to spar with your | | |
| Myrtle Beach | | agent about exactly when your policy | | American Risk and Insurance |
| Chattanooga | | was cancelled and how much they | | Association: An association of |
| Olympia | | owe you. | | insurance educators and others |
| Scottsdale | | | | interested in insurance study and |
| Providence | | | | research. |
