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| New York | | If you decide to cancel your policy | | Buy-Back" Deductible: A deductible |
| York | | (after acquiring new coverage) | | which may be eliminated for an |
| Flint | | outside of the 30-day period, you may | | additional premium in order to |
| Tampa | | have to pay a fee or penalty. | | provide "first-dollar" coverage. |
| Jersey City | | However, you may still save money | | |
| Anchorage | | after paying the fee if your new policy | | Agent's Balance: A periodic |
| Manchester | | affords you significant savings. So | | statement of the sums due and owed |
| Aurora | | while it is best to wait until your | | to an agent under the agent's contract |
| Duluth | | receive your renewal notice, you CAN | | with an insurer. |
| Akron | | cancel your policy at any time. | | |
| Gainesville | | | | Theory of Probability: The |
| Milwaukee | | While some companies raise their | | mathematical principle upon which |
| Tacoma | | prices based on your actual age, | | insurance is based. |
| Las Cruces | | most companies increase the price of | | |
| Kansas City | | their policies six months before your | | Gross Premium: The net premium |
| Savannah | | birthday. Its a term called Age | | plus operating expenses, |
| Elkhart | | Nearest in the industry, and that | | commissions and other expenses. |
| Harrisburg | | half-year price increase could really | | |
| Rome | | add up over a 20-year term policy. As | | Tabular Plan: A retrospective rating |
| Stuart | | above, the quicker you purchase your | | plan, which uses tables to furnish the |
| Zanesville | | policy the better. | | various values for the rating formula. |
