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| Bradenton | | If you decide to cancel your policy | | Tickler: A reminder system used to |
| Wilmington | | (after acquiring new coverage) | | call an individual's attention to actions |
| Scranton | | outside of the 30-day period, you may | | that must be taken at a future point in |
| Duluth | | have to pay a fee or penalty. | | time. |
| Anderson | | However, you may still save money | | |
| Flint | | after paying the fee if your new policy | | Mandatory Valuation Reserve: A |
| Hemet | | affords you significant savings. So | | reserve required by a state law to |
| Frederick | | while it is best to wait until your | | offset any declines in the valuation of |
| El Cajon | | receive your renewal notice, you CAN | | securities listed as admitted assets. |
| Beaumont | | cancel your policy at any time. | | |
| Lake Worth | | | | War Risk Insurance: Insurance |
| Fredericksburg | | Life insurance, specifically Term Life, | | covering damage caused by war. |
| New Port Richey | | is arguably one of the best values in | | Most often written by Ocean Marine |
| Vancouver | | the entire financial services arena. | | Insurance companies covering |
| Acworth | | Where else can you go and get | | vessels. |
| El Cajon | | hundreds of thousands of dollars in | | |
| Sacramento | | protection for literally pennies per | | American Risk and Insurance |
| Sioux Falls | | day? Rates for Term Life insurance | | Association: An association of |
| Kalamazoo | | remain at all-time lows, and now is the | | insurance educators and others |
| San Jose | | time to lock in the best prices. | | interested in insurance study and |
| West Chester | | | | research. |
| Olympia | | While some companies raise their | | |
| Buffalo | | prices based on your actual age, | | Claim: A demand made by the |
| Chattanooga | | most companies increase the price of | | insured, or the insured's beneficiary, |
| Downey | | their policies six months before your | | for payment of the benefits provided |
| Goldsboro | | birthday. Its a term called Age | | by the contract. |
| Dubuque | | Nearest in the industry, and that | | |
| Albuquerque | | half-year price increase could really | | Shock Loss: A catastrophic loss so |
| Reading | | add up over a 20-year term policy. As | | large that it has a material effect on |
| Aurora | | above, the quicker you purchase your | | the underwriting results of a company. |
| Racine | | policy the better. | | |
| Greensboro | | | | Adjustment Bureau: A firm organized |
| Winter Haven | | The quickest and easiest way to | | to provide adjustment services to |
| Albany | | shop for new insurance is by | | insurers not wishing to create their |
| Quincy | | comparing rates at InsWebs online | | own claims division. |
| Hendersonville | | marketplace. If you do it the | | |
| Longwood | | old-fashioned way (by calling or | | |
| Rapid City | | visiting multiple agents or insurance | | |
| Shreveport | | companies) it could take up a huge | | |
| Anderson | | chunk of your time, which no one | | |
| Worcester | | wants or needs. By completing | | |
| Las Vegas | | InsWebs online application, you will | | |
| Long Island City | | have rates to compare to your old | | |
| Panama City | | ones within minutes! | | |
