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| Toledo | | The best time to switch policies is | | Brokerage Department: A department |
| St. Paul | | within one month of receiving your | | of an insurer whose purpose is to |
| Durham | | policy renewal from your current | | deal with brokers in the placing of |
| Houma | | insurer. You can typically cancel your | | insurance. |
| Boston | | policy without any fees or penalties if | | |
| Reading | | you act within this time period. | | Index Bureau Experience: A measure |
| Arlington | | | | of losses relating to claims reported |
| Huntington Beach | | People who are trying to quit | | through a claim office during a |
| Cherry Hill | | smoking, for example, might be best | | 12-month period. |
| Orlando | | suited purchasing a shorter term (and | | |
| Waterloo | | then replacing it with a longer term | | Notice of Cancellation: Written notice |
| Anchorage | | policy when they qualify for | | by an insurer of intent to cancel |
| Newport News | | non-tobacco prices). | | insurance, or written notice by an |
| Chula Vista | | | | insured requesting cancellation. |
| Sioux City | | Make sure you have a new policy in | | |
| Gainesville | | place before you cancel your old one | | Producer: A term applied to an agent, |
| Wilmington | | to avoid a lapse in coverage. This will | | solicitor or other person who sells |
| Columbus | | also prevent having to figure out the | | insurance. |
| Erie | | amount of any unused premium that is | | |
| Gainesville | | due to you from your old insurance | | Stock Option Plan: Surviving |
| Lake Charles | | company, or having to spar with your | | stockholders have the option to |
| Troy | | agent about exactly when your policy | | purchase or not purchase the shares |
| Syracuse | | was cancelled and how much they | | of a deceased stockholder. |
| Jacksonville | | owe you. | | |
| Cincinnati | | | | Provisions: Statements contained in |
| Modesto | | Healthy people have the best | | an insurance policy which explain the |
| Durham | | mortality risks and thus are much | | benefits, conditions and other |
| Ann Arbor | | cheaper for companies to insure. This | | features of the insurance contract. |
| Fredericksburg | | translates into lower rates for the | | |
| Syracuse | | Super Preferred customer than | | Director of Insurance: A title used in |
| Rome | | someone with higher risk factors such | | some states for the head of the |
| Corpus Christi | | as a heart condition, cancer or | | department of insurance. |
| Carlsbad | | diabetes. Conversely, if you were | | |
| York | | unhealthy when you acquired your | | Examiner: An employee assigned by |
| Garland | | policy, and your health has now | | the state insurance department to |
| West Chester | | improved, it might be time to shop for | | audit insurers' records. |
| Rochester | | a new policy, as your rates are likely | | |
| Newark | | to be lower. | | |
