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| Hemet | | The best time to switch policies is | | Producer: A term applied to an agent, |
| Naples | | within one month of receiving your | | solicitor or other person who sells |
| Fort Worth | | policy renewal from your current | | insurance. |
| Coral Springs | | insurer. You can typically cancel your | | |
| Cambridge | | policy without any fees or penalties if | | Building Code: This refers to |
| Hickory | | you act within this time period. | | municipal or other governmental |
| Allentown | | | | ordinances regulating the type of |
| Newport News | | Make sure you have a new policy in | | construction of buildings within its |
| Harlingen | | place before you cancel your old one | | jurisdiction. |
| Cedar Rapids | | to avoid a lapse in coverage. This will | | |
| Myrtle Beach | | also prevent having to figure out the | | Policy Anniversary: The anniversary |
| Warwick | | amount of any unused premium that is | | of the date of issue of a policy as |
| Harlingen | | due to you from your old insurance | | shown in the policy declarations. |
| Boynton Beach | | company, or having to spar with your | | |
| Riverside | | agent about exactly when your policy | | Calendar Year Experience: This |
| Asheville | | was cancelled and how much they | | measures the premiums and losses |
| Springfield | | owe you. | | entered on accounting records during |
| Fayetteville | | | | the 12-month calendar. |
| Wichita | | Why not take advantage of current | | |
| Killeen | | low prices? Many auto insurance | | Malicious Mischief: Similar to |
| New Port Richey | | consumers are becoming educated | | vandalism. Purposely damaging the |
| Yonkers | | on other companies, plans, and rates | | rights or property of another. |
| Oakland | | that are available to them; ones that | | |
| Poughkeepsie | | could afford them significant savings | | Business: In Property, Liability, and |
| Mountain View | | on their auto insurance. | | Health lines, it usually refers to the |
| Detroit | | | | volume of premiums. |
| St. Paul | | Life insurance, specifically Term Life, | | |
| Madison | | is arguably one of the best values in | | Policywriting Agent: An agent who has |
| Alpharetta | | the entire financial services arena. | | the authority to prepare and effect an |
| Topeka | | Where else can you go and get | | insurer's policy. |
| Owensboro | | hundreds of thousands of dollars in | | |
| Longwood | | protection for literally pennies per | | Approved: The condition which exists |
| Lorain | | day? Rates for Term Life insurance | | when the person or object to be |
| Cincinnati | | remain at all-time lows, and now is the | | insured meets the underwriting |
| Columbus | | time to lock in the best prices. | | standards of the insurer. |
