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| Washington | | The best time to switch policies is | | Renewal: The reestablishment of the |
| Louisville | | within one month of receiving your | | in-force status of a policy, the term of |
| San Antonio | | policy renewal from your current | | which has expired or will expire |
| San Antonio | | insurer. You can typically cancel your | | unless it is renewed. |
| Wichita | | policy without any fees or penalties if | | |
| Des Moines | | you act within this time period. | | Nonadmitted Insurer: An insurer not |
| Orlando | | | | licensed to do business in the |
| Allentown | | Life insurance, specifically Term Life, | | jurisdiction in question. Same as |
| Gainesville | | is arguably one of the best values in | | Unauthorized Insurer and Unlicensed |
| Brooklyn | | the entire financial services arena. | | Insurer. |
| Ogden | | Where else can you go and get | | |
| Racine | | hundreds of thousands of dollars in | | We/Us/Our: These words are used to |
| Greensboro | | protection for literally pennies per | | refer to the insurer in many of the |
| Cypress | | day? Rates for Term Life insurance | | modernized/personalized policy |
| Oakland | | remain at all-time lows, and now is the | | forms recently introduced. |
| Arlington | | time to lock in the best prices. | | |
| Winter Park | | | | Partial Loss: A loss covered by an |
| Cambridge | | If you decide to cancel your policy | | insurance policy which does not |
| Ocala | | (after acquiring new coverage) | | completely destroy or render |
| Biloxi | | outside of the 30-day period, you may | | worthless the insured property. |
| Orlando | | have to pay a fee or penalty. | | |
| Lake Worth | | However, you may still save money | | Net Interest Earned: The average |
| Pensacola | | after paying the fee if your new policy | | interest earned by an insurer on its |
| Providence | | affords you significant savings. So | | investments after investment expense |
| Gaithersburg | | while it is best to wait until your | | but before federal income taxes. |
| Lorain | | receive your renewal notice, you CAN | | |
| Saginaw | | cancel your policy at any time. | | Approved Roof: A term used in |
| Milwaukee | | | | building construction. It indicates a |
| Charleston | | Individuals who have 30-year | | roof made of fire-resistive materials, |
| Council Bluffs | | mortgages might want to consider a | | such as tile or asphalt shingles. |
| Midland | | 30-year term to ensure that the house | | |
| Boise | | is protected throughout the period of | | License: A certification of authority for |
| Vero Beach | | the loan. | | an agent or insurer to operate, given |
| Irving | | | | by the appropriate jurisdiction. |
