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| Newark | | Everyone has different needs, and | | Society of Insurance Research: An |
| Orange Park | | not one size fits all when it comes to | | organization which encourages |
| Vero Beach | | term life insurance. While it may make | | insurance research and promotes the |
| Palm Desert | | sense for people in their 30s and 40s | | exchange of ideas and methods of |
| Livonia | | to secure a 20-year term length, a | | research. |
| Lubbock | | 10-year term might be more | | |
| Gaithersburg | | appropriate for someone nearing | | Premium: The price of insurance |
| Cherry Hill | | retirement. | | protection for a specified risk for a |
| Kansas City | | | | specified period of time. |
| Austin | | We offer quotes for auto insurance, | | |
| Amarillo | | life insurance, homeowners | | Net Retention: The amount of |
| Akron | | insurance, health insurance, term life | | insurance that a ceding company |
| Harrisburg | | insurance and more. | | keeps for its own account and does |
| Berkeley | | | | not reinsure. |
| Hartford | | If you decide to cancel your policy | | |
| Williamsburg | | (after acquiring new coverage) | | Standard Industry Code (SIC): This is |
| Amarillo | | outside of the 30-day period, you may | | a coding system which assigns |
| Frederick | | have to pay a fee or penalty. | | separate codes for different types of |
| Lafayette | | However, you may still save money | | industries. |
| Santa Rosa | | after paying the fee if your new policy | | |
| Dearborn | | affords you significant savings. So | | Valued: Relating to an agreement by |
| Tallahassee | | while it is best to wait until your | | an insurer to pay a specified amount |
| Cambridge | | receive your renewal notice, you CAN | | of money to or on behalf of the |
| Green Bay | | cancel your policy at any time. | | insured upon occurrence of a defined |
| Rapid City | | | | loss. |
| Akron | | People who are trying to quit | | |
| Winter Haven | | smoking, for example, might be best | | Claim: A demand made by the |
| Colorado Springs | | suited purchasing a shorter term (and | | insured, or the insured's beneficiary, |
| Myrtle Beach | | then replacing it with a longer term | | for payment of the benefits provided |
| Schaumburg | | policy when they qualify for | | by the contract. |
| Alpharetta | | non-tobacco prices). | | |
| Kansas City | | | | Interstate Carrier: A transportation |
| Spokane | | Make sure you have a new policy in | | company which does business |
| Bloomington | | place before you cancel your old one | | across state lines. |
| Olympia | | to avoid a lapse in coverage. This will | | |
| Lancaster | | also prevent having to figure out the | | |
| Chandler | | amount of any unused premium that is | | |
| Charleston | | due to you from your old insurance | | |
| Aurora | | company, or having to spar with your | | |
| Baton Rouge | | agent about exactly when your policy | | |
| Bloomington | | was cancelled and how much they | | |
| Boston | | owe you. | | |
