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| Frederick | | If you decide to cancel your policy | | Agent's Qualification Law: Education, |
| Wilmington | | (after acquiring new coverage) | | experience, and other requirements |
| West Chester | | outside of the 30-day period, you may | | imposed by the state upon persons |
| Sumter | | have to pay a fee or penalty. | | desiring to be licensed as agents. |
| Fort Collins | | However, you may still save money | | |
| Hattiesburg | | after paying the fee if your new policy | | Provisional Rate: Tentative rates, |
| Scranton | | affords you significant savings. So | | premiums or commissions that are |
| Marietta | | while it is best to wait until your | | subject to subsequent adjustment. |
| Decatur | | receive your renewal notice, you CAN | | See Commission and Premium. |
| Augusta | | cancel your policy at any time. | | |
| Lima | | | | Cash Flow Underwriting: The use of |
| Frederick | | Healthy people have the best | | rating and premium collection |
| Cincinnati | | mortality risks and thus are much | | techniques by insurance companies |
| Longwood | | cheaper for companies to insure. This | | to maximize interest earnings on |
| Tallahassee | | translates into lower rates for the | | premiums. |
| Kansas City | | Super Preferred customer than | | |
| Goldsboro | | someone with higher risk factors such | | Not Taken: Policies applied for and |
| Newport News | | as a heart condition, cancer or | | issued but rejected by the proposed |
| Marietta | | diabetes. Conversely, if you were | | owner and not paid for. |
| Orange | | unhealthy when you acquired your | | |
| Bloomington | | policy, and your health has now | | Criticism: A correction suggested by a |
| Sunnyvale | | improved, it might be time to shop for | | rating or auditing bureau to an insurer. |
| Lansing | | a new policy, as your rates are likely | | |
| Rockford | | to be lower. | | Premium Notice: A form notice from |
| Louisville | | | | an insurer or agency to a policy |
| Evansville | | Individuals who have 30-year | | owner that a premium will be due on a |
| Downey | | mortgages might want to consider a | | given date. |
| Lubbock | | 30-year term to ensure that the house | | |
| Anaheim | | is protected throughout the period of | | Fiduciary: A person holding the funds |
| Sterling Heights | | the loan. | | or property of another in a position of |
| Las Vegas | | | | trust. An example would be the |
| Atlanta | | People who are trying to quit | | executor of an estate. |
| Inglewood | | smoking, for example, might be best | | |
| Spring Hill | | suited purchasing a shorter term (and | | Independent Contractor: One who |
| Richmond | | then replacing it with a longer term | | agrees to perform according to a |
| Chula Vista | | policy when they qualify for | | contract and who is not an employee. |
| Decatur | | non-tobacco prices). | | |
