Monroe Insurance

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Decatur	People who are trying to quit	Paid-In Surplus: Surplus paid in by
Virginia Beach	smoking, for example, might be best	stockholders, as contrasted with
Jasper	suited purchasing a shorter term (and	surplus earned through the
Stockton	then replacing it with a longer term	operations of a business.
Montgomery	policy when they qualify for
Spring Hill	non-tobacco prices).	Provisional Rate: Tentative rates,
Spartanburg		premiums or commissions that are
Costa Mesa	The best time to switch policies is	subject to subsequent adjustment.
Richmond	within one month of receiving your	See Commission and Premium.
Lafayette	policy renewal from your current
Cambridge	insurer. You can typically cancel your	Examiner: An employee assigned by
Abilene	policy without any fees or penalties if	the state insurance department to
Winter Park	you act within this time period.	audit insurers' records.