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| Yonkers | | Make sure you have a new policy in | | Operating Expense: The expense of |
| Arlington | | place before you cancel your old one | | an insurer other than commissions |
| Mobile | | to avoid a lapse in coverage. This will | | and taxes. Called " and Insurance |
| Bradenton | | also prevent having to figure out the | | Expense" in the convention statement |
| Austin | | amount of any unused premium that is | | blank. |
| El Paso | | due to you from your old insurance | | |
| Trenton | | company, or having to spar with your | | Brokerage Business: Business |
| Portsmouth | | agent about exactly when your policy | | offered to an insurer by a broker. This |
| Virginia Beach | | was cancelled and how much they | | is sometimes called excess or |
| Peoria | | owe you. | | surplus business. |