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| Springfield | | Make sure you have a new policy in | | Operating Expense: The expense of |
| San Diego | | place before you cancel your old one | | an insurer other than commissions |
| Bloomington | | to avoid a lapse in coverage. This will | | and taxes. Called " and Insurance |
| Fort Worth | | also prevent having to figure out the | | Expense" in the convention statement |
| Springfield | | amount of any unused premium that is | | blank. |
| Sioux Falls | | due to you from your old insurance | | |
| Columbus | | company, or having to spar with your | | You/Your: These words are used to |
| Elkhart | | agent about exactly when your policy | | refer to the named insured in many of |
| Mansfield | | was cancelled and how much they | | the modernized/personalized policy |
| Staten Island | | owe you. | | forms. |