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| Tuscaloosa | | The best time to switch policies is | | Stock Option Plan: Surviving |
| Anderson | | within one month of receiving your | | stockholders have the option to |
| Chesapeake | | policy renewal from your current | | purchase or not purchase the shares |
| Cape Coral | | insurer. You can typically cancel your | | of a deceased stockholder. |
| Topeka | | policy without any fees or penalties if | | |
| Bay City | | you act within this time period. | | Producer: A term applied to an agent, |
| Des Moines | | | | solicitor or other person who sells |
| Fort Smith | | People who are trying to quit | | insurance. |
| Odessa | | smoking, for example, might be best | | |
| Lowell | | suited purchasing a shorter term (and | | Broker-Agent: One acting as an agent |
| Monroe | | then replacing it with a longer term | | of one or more insurers and as a |
| Warwick | | policy when they qualify for | | broker in dealing with one or more |
| Englewood | | non-tobacco prices). | | other insurers. |