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| Columbia | | Everyone has different needs, and | | Broker-Agent: One acting as an agent |
| Longmont | | not one size fits all when it comes to | | of one or more insurers and as a |
| Newport News | | term life insurance. While it may make | | broker in dealing with one or more |
| Acworth | | sense for people in their 30s and 40s | | other insurers. |
| Spring Hill | | to secure a 20-year term length, a | | |
| Salt Lake City | | 10-year term might be more | | Mandatory Valuation Reserve: A |
| Palo Alto | | appropriate for someone nearing | | reserve required by a state law to |
| Lawrenceville | | retirement. | | offset any declines in the valuation of |
| Beaumont | | | | securities listed as admitted assets. |
| Cape Coral | | If you decide to cancel your policy | | |
| Wilmington | | (after acquiring new coverage) | | Line of Business: The classification of |
| Boca Raton | | outside of the 30-day period, you may | | business as utilized in the insurance |
| Melbourne | | have to pay a fee or penalty. | | industry, e.g., Fire, Allied Lines and |
| Santa Rosa | | However, you may still save money | | Homeowners. |
| Nashua | | after paying the fee if your new policy | | |
| Fort Smith | | affords you significant savings. So | | Multi-Peril Policies: Policies which |
| Melbourne | | while it is best to wait until your | | cover a number of perils, such as fire, |
| Gaithersburg | | receive your renewal notice, you CAN | | burglary, and liability, in a single |
| Santa Barbara | | cancel your policy at any time. | | contract. |
