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| Erie | | We offer quotes for auto insurance, | | Incurred Expense: Expenses not yet |
| Norfolk | | life insurance, homeowners | | paid. Can also include paid |
| Corpus Christi | | insurance, health insurance, term life | | expenses in some accounting |
| Greenville | | insurance and more. | | systems. |
| Owensboro | | | | |
| Spring Hill | | Individuals who have 30-year | | Policy Anniversary: The anniversary |
| Lexington | | mortgages might want to consider a | | of the date of issue of a policy as |
| Salem | | 30-year term to ensure that the house | | shown in the policy declarations. |
| Lima | | is protected throughout the period of | | |
| Tampa | | the loan. | | Exclusion: A contractual provision that |
| Bayside | | | | denies coverage for certain perils, |
| Overland Park | | If you decide to cancel your policy | | persons, property, or locations. |
| Lafayette | | (after acquiring new coverage) | | |
| Fayetteville | | outside of the 30-day period, you may | | Appraisal: An evaluation of property |
| Muncie | | have to pay a fee or penalty. | | made to ascertain either the |
| Harlingen | | However, you may still save money | | appropriate amount of insurance to |
| Jersey City | | after paying the fee if your new policy | | be written or the amount of loss to be |
| Boynton Beach | | affords you significant savings. So | | paid. |
| Waco | | while it is best to wait until your | | |
| Hickory | | receive your renewal notice, you CAN | | Commingling: An illegal practice |
| Allentown | | cancel your policy at any time. | | which occurs when an agent mixes |
| Omaha | | | | personal funds with the insured's or |
| Jackson | | While some companies raise their | | insurer's funds. |
| Newark | | prices based on your actual age, | | |
| Augusta | | most companies increase the price of | | Level Commission System: A system |
| Oxnard | | their policies six months before your | | of commissions in which the first year |
| Milwaukee | | birthday. Its a term called Age | | and all renewal commissions are the |
| Wilmington | | Nearest in the industry, and that | | same percentage of the premium. |
| Cleveland | | half-year price increase could really | | |
| Southfield | | add up over a 20-year term policy. As | | Divided Cover: The placing of |
| Chandler | | above, the quicker you purchase your | | insurance on a given subject or |
| Johnstown | | policy the better. | | object with more than one insurer. |
