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| Tacoma | | People who are trying to quit | | Basic Rate: The manual rate from |
| Lafayette | | smoking, for example, might be best | | which discounts are taken or to which |
| Silver Spring | | suited purchasing a shorter term (and | | charges are added to reflect the |
| Dayton | | then replacing it with a longer term | | individual circumstances of a risk. |
| Austin | | policy when they qualify for | | |
| Hartford | | non-tobacco prices). | | Short Rate Premium: The premium |
| Knoxville | | | | required for issuing a policy for a |
| Orlando | | Individuals who have 30-year | | period less than its normal term. |
| Corpus Christi | | mortgages might want to consider a | | |
| Virginia Beach | | 30-year term to ensure that the house | | War Risk Insurance: Insurance |
| Winter Haven | | is protected throughout the period of | | covering damage caused by war. |
| Athens | | the loan. | | Most often written by Ocean Marine |
| Woodbridge | | | | Insurance companies covering |
| Cookeville | | If you decide to cancel your policy | | vessels. |
| Portsmouth | | (after acquiring new coverage) | | |
| Costa Mesa | | outside of the 30-day period, you may | | Loss Adjustment Expense: The cost |
| Arlington | | have to pay a fee or penalty. | | of adjusting losses, excluding the |
| Greeley | | However, you may still save money | | amount of the loss itself. |
| Mountain View | | after paying the fee if your new policy | | |
| Southfield | | affords you significant savings. So | | Net Loss: The amount of loss |
| Fullerton | | while it is best to wait until your | | sustained by an insurer after giving |
| Thousand Oaks | | receive your renewal notice, you CAN | | effect to all applicable reinsurance, |
| Cookeville | | cancel your policy at any time. | | salvage, and subrogation recoveries. |
