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| Naples | | The best time to switch policies is | | Foreign Insurer: An insurer domiciled |
| Charleston | | within one month of receiving your | | in a state of the United States other |
| Hattiesburg | | policy renewal from your current | | than the one in which the insured's |
| Lafayette | | insurer. You can typically cancel your | | insurance is written. |
| Carlsbad | | policy without any fees or penalties if | | |
| Hemet | | you act within this time period. | | Agency Company: An insurance |
| Charleston | | | | company that produces business |
| Carlsbad | | Everyone has different needs, and | | through an agency network. Contrast |
| Lake Worth | | not one size fits all when it comes to | | with Direct Writer. |
| White Plains | | term life insurance. While it may make | | |
| Williamsport | | sense for people in their 30s and 40s | | Amendment: A formal document |
| Toms River | | to secure a 20-year term length, a | | which corrects or revises an |
| Boca Raton | | 10-year term might be more | | insurance master policy. |
| Albany | | appropriate for someone nearing | | |
| Midland | | retirement. | | Insurance to Value: Insurance written |
| Augusta | | | | in an amount approximating the value |
| Memphis | | Life insurance, specifically Term Life, | | of the property insured. |
| Grand Junction | | is arguably one of the best values in | | |
| Quincy | | the entire financial services arena. | | Losses Outstanding: A summary |
| Fort Worth | | Where else can you go and get | | statement prepared by Property, Life, |
| Lexington | | hundreds of thousands of dollars in | | and Liability insurers showing claims |
| Pompano Beach | | protection for literally pennies per | | not yet settled. |
| Savannah | | day? Rates for Term Life insurance | | |
| Tucson | | remain at all-time lows, and now is the | | Premium Receipt: The receipt given |
| Winter Haven | | time to lock in the best prices. | | a policy owner for the payment of a |
| Lexington | | | | premium. |
| Valdosta | | People who are trying to quit | | |
| Knoxville | | smoking, for example, might be best | | Short Rate Premium: The premium |
| Mesa | | suited purchasing a shorter term (and | | required for issuing a policy for a |
| Sioux City | | then replacing it with a longer term | | period less than its normal term. |
| Las Cruces | | policy when they qualify for | | |
| Mobile | | non-tobacco prices). | | Net Retention: The amount of |
| Newport News | | | | insurance that a ceding company |
| Palm Desert | | If you decide to cancel your policy | | keeps for its own account and does |
| Redlands | | (after acquiring new coverage) | | not reinsure. |
| Joliet | | outside of the 30-day period, you may | | |
| Clinton Township | | have to pay a fee or penalty. | | |
| Lowell | | However, you may still save money | | |
| Newport News | | after paying the fee if your new policy | | |
| Miami | | affords you significant savings. So | | |
| Silver Spring | | while it is best to wait until your | | |
| Grand Rapids | | receive your renewal notice, you CAN | | |
| Boulder | | cancel your policy at any time. | | |
