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| Orlando | | Make sure you have a new policy in | | Premium Notice: A form notice from |
| Ocala | | place before you cancel your old one | | an insurer or agency to a policy |
| Fayetteville | | to avoid a lapse in coverage. This will | | owner that a premium will be due on a |
| Durham | | also prevent having to figure out the | | given date. |
| Santa Barbara | | amount of any unused premium that is | | |
| Marietta | | due to you from your old insurance | | Liabilities: Money owed or expected |
| South Bend | | company, or having to spar with your | | to be owed. Insurance company |
| Edison | | agent about exactly when your policy | | financial statements, for instance, |
| Muncie | | was cancelled and how much they | | show assets and liabilities. |
| Cherry Hill | | owe you. | | |
| Westbury | | | | Deductible: The portion of an insured |
| Malden | | Everyone has different needs, and | | loss to be borne by the insured |
| Lafayette | | not one size fits all when it comes to | | before he is entitled to recovery from |
| Boynton Beach | | term life insurance. While it may make | | the insurer. |
| Williamsport | | sense for people in their 30s and 40s | | |
| Fort Myers | | to secure a 20-year term length, a | | Interstate Carrier: A transportation |
| Youngstown | | 10-year term might be more | | company which does business |
| Oklahoma City | | appropriate for someone nearing | | across state lines. |
| Rome | | retirement. | | |
| Garland | | | | Appraisal: An evaluation of property |
| Fort Myers | | The best time to switch policies is | | made to ascertain either the |
| Orange Park | | within one month of receiving your | | appropriate amount of insurance to |
| Worcester | | policy renewal from your current | | be written or the amount of loss to be |
| Chicago | | insurer. You can typically cancel your | | paid. |
| Elkhart | | policy without any fees or penalties if | | |
| Alameda | | you act within this time period. | | Independent Agent: An agent |
| Tempe | | | | operating as an independent |
| Fayetteville | | Individuals who have 30-year | | contractor under the independent |
| Lakeland | | mortgages might want to consider a | | agency system. |
| Morristown | | 30-year term to ensure that the house | | |
| Sioux City | | is protected throughout the period of | | Loss Frequency: The number of times |
| Garland | | the loan. | | a loss occurs over a specific period |
| Modesto | | | | of time. |
| Englewood | | Healthy people have the best | | |
| Syracuse | | mortality risks and thus are much | | |
| Chesapeake | | cheaper for companies to insure. This | | |
| Bronx | | translates into lower rates for the | | |
| Rochester | | Super Preferred customer than | | |
| Omaha | | someone with higher risk factors such | | |
| Charleston | | as a heart condition, cancer or | | |
| Lubbock | | diabetes. Conversely, if you were | | |
| Racine | | unhealthy when you acquired your | | |
| Cedar Rapids | | policy, and your health has now | | |
| Omaha | | improved, it might be time to shop for | | |
| High Point | | a new policy, as your rates are likely | | |
| Ogden | | to be lower. | | |
