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| Atlanta | | If you decide to cancel your policy | | Theory of Probability: The |
| Newark | | (after acquiring new coverage) | | mathematical principle upon which |
| Conroe | | outside of the 30-day period, you may | | insurance is based. |
| Irving | | have to pay a fee or penalty. | | |
| Hollywood | | However, you may still save money | | Mutualization: The process of |
| Anderson | | after paying the fee if your new policy | | converting a stock insurer to a mutual |
| Walnut Creek | | affords you significant savings. So | | insurer, accomplished by having the |
| Dearborn | | while it is best to wait until your | | insurer buy stock and retire it. |
| Nashville | | receive your renewal notice, you CAN | | |
| High Point | | cancel your policy at any time. | | Agency: An insurance sales office |
| Gainesville | | | | which is directed by a agent, |
| Gulfport | | At InsWeb, you can compare free | | manager, independent agent, or |
| Kansas City | | online insurance quotes from many of | | company manager. |
| Phoenix | | the nations leading insurance | | |
| Longview | | companies. | | Provisions: Statements contained in |
| Long Beach | | | | an insurance policy which explain the |
| San Francisco | | While some companies raise their | | benefits, conditions and other |
| Yuma | | prices based on your actual age, | | features of the insurance contract. |
| Overland Park | | most companies increase the price of | | |
| Denton | | their policies six months before your | | Lapsed Policy: One which has been |
| Lincoln | | birthday. Its a term called Age | | allowed to expire because of |
| Springfield | | Nearest in the industry, and that | | nonpayment of premiums. |
| White Plains | | half-year price increase could really | | |
| Englewood | | add up over a 20-year term policy. As | | Indemnify: To restore the victim of a |
| Baltimore | | above, the quicker you purchase your | | loss to the same position as before |
| Mesa | | policy the better. | | the loss occurred. |
