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| Brooklyn | | The best time to switch policies is | | Multi-Peril Policies: Policies which |
| Naples | | within one month of receiving your | | cover a number of perils, such as fire, |
| Malden | | policy renewal from your current | | burglary, and liability, in a single |
| Lowell | | insurer. You can typically cancel your | | contract. |
| Sarasota | | policy without any fees or penalties if | | |
| Milwaukee | | you act within this time period. | | Notice To Company: Written notice to |
| Durham | | | | an insurer of the occurrence of an |
| North Hollywood | | Life insurance, specifically Term Life, | | event which a claim is to be based. |
| Valdosta | | is arguably one of the best values in | | |
| Sunnyvale | | the entire financial services arena. | | Federal Deposit Insurance |
| Bloomington | | Where else can you go and get | | Corporation (FDIC): An agency of the |
| Lansing | | hundreds of thousands of dollars in | | federal government which insures |
| Texarkana | | protection for literally pennies per | | bank deposits up to a stated |
| Yonkers | | day? Rates for Term Life insurance | | maximum. |
| Whittier | | remain at all-time lows, and now is the | | |
| Norfolk | | time to lock in the best prices. | | Commercial Lines: This term is used |
| Cranston | | | | to refer to insurance for businesses, |
| Quincy | | The quickest and easiest way to | | professionals, and commercial |
| Poughkeepsie | | shop for new insurance is by | | establishments. |
| Oakland | | comparing rates at InsWebs online | | |
| Burbank | | marketplace. If you do it the | | Calendar Year Experience: This |
| Orange Park | | old-fashioned way (by calling or | | measures the premiums and losses |
| South Bend | | visiting multiple agents or insurance | | entered on accounting records during |
| Washington | | companies) it could take up a huge | | the 12-month calendar. |
| Conroe | | chunk of your time, which no one | | |
| Yuma | | wants or needs. By completing | | Tariff Rate: A rate established by a |
| Troy | | InsWebs online application, you will | | rating organization, which comes from |
| Jacksonville | | have rates to compare to your old | | the tables, schedules and rules found |
| Dayton | | ones within minutes! | | in the tariff of rates. |
