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| Albuquerque | | If you decide to cancel your policy | | Monoline Policy: Any insurance |
| Albuquerque | | (after acquiring new coverage) | | coverage written as a single line |
| Palm Harbor | | outside of the 30-day period, you may | | policy. Contrast with Multiple Line or |
| Ocala | | have to pay a fee or penalty. | | Package policy. |
| Toms River | | However, you may still save money | | |
| Miami | | after paying the fee if your new policy | | Lloyd's Broker: A person who has the |
| Metairie | | affords you significant savings. So | | authority to negotiate insurance |
| Reading | | while it is best to wait until your | | contracts with the underwriters on the |
| Carlsbad | | receive your renewal notice, you CAN | | floor at Lloyd's. |
| Hampton | | cancel your policy at any time. | | |
| Rochester | | | | Examiner: An employee assigned by |
| Texarkana | | The quickest and easiest way to | | the state insurance department to |
| Columbus | | shop for new insurance is by | | audit insurers' records. |
| Newark | | comparing rates at InsWebs online | | |
| Bloomington | | marketplace. If you do it the | | Indemnity: Restoration to the victim of |
| Gaithersburg | | old-fashioned way (by calling or | | a loss by payment, repair, or |
| Yuma | | visiting multiple agents or insurance | | replacement. |
| Palm Harbor | | companies) it could take up a huge | | |
| Bellevue | | chunk of your time, which no one | | Stock Option Plan: Surviving |
| Amarillo | | wants or needs. By completing | | stockholders have the option to |
| Montgomery | | InsWebs online application, you will | | purchase or not purchase the shares |
| Hot Springs | | have rates to compare to your old | | of a deceased stockholder. |
| Houston | | ones within minutes! | | |
| Topeka | | | | Level Commission System: A system |
| Winter Haven | | The best time to switch policies is | | of commissions in which the first year |
| Muskegon | | within one month of receiving your | | and all renewal commissions are the |
| Jersey City | | policy renewal from your current | | same percentage of the premium. |
| Stockbridge | | insurer. You can typically cancel your | | |
| Palm Harbor | | policy without any fees or penalties if | | Producer: A term applied to an agent, |
| Columbus | | you act within this time period. | | solicitor or other person who sells |
| Scranton | | | | insurance. |
| Sarasota | | While some companies raise their | | |
| Philadelphia | | prices based on your actual age, | | Earned Income: The money |
| Killeen | | most companies increase the price of | | individuals earn as a result of working |
| Tempe | | their policies six months before your | | at some job or occupation for which |
| Odessa | | birthday. Its a term called Age | | they are paid a salary. |
| Lake Worth | | Nearest in the industry, and that | | |
| Williamsport | | half-year price increase could really | | |
| Daytona Beach | | add up over a 20-year term policy. As | | |
| Dubuque | | above, the quicker you purchase your | | |
| Gainesville | | policy the better. | | |
