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| Franklin | | Individuals who have 30-year | | Fictitious Groups: Groups formed |
| Oklahoma City | | mortgages might want to consider a | | primarily for the purpose of buying |
| Brooklyn | | 30-year term to ensure that the house | | insurance. Under the law such groups |
| Des Moines | | is protected throughout the period of | | may not be underwritten. |
| Elkhart | | the loan. | | |
| Lancaster | | | | Borderline Risk: An insurance |
| Columbus | | If you decide to cancel your policy | | prospect of doubtful quality from an |
| Yonkers | | (after acquiring new coverage) | | underwriting point of view. |
| Providence | | outside of the 30-day period, you may | | |
| Santa Ana | | have to pay a fee or penalty. | | Endorsement: A written or printed form |
| Jackson | | However, you may still save money | | attached to the policy which alters |
| Williamsport | | after paying the fee if your new policy | | provisions of the contract. |
| Birmingham | | affords you significant savings. So | | |
| Newark | | while it is best to wait until your | | Gross Premium: The net premium |
| Virginia Beach | | receive your renewal notice, you CAN | | plus operating expenses, |
| Ogden | | cancel your policy at any time. | | commissions and other expenses. |
