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| Cookeville | | If you decide to cancel your policy | | Renewal: The reestablishment of the |
| Peoria | | (after acquiring new coverage) | | in-force status of a policy, the term of |
| Greenville | | outside of the 30-day period, you may | | which has expired or will expire |
| Fort Wayne | | have to pay a fee or penalty. | | unless it is renewed. |
| Fort Wayne | | However, you may still save money | | |
| Chandler | | after paying the fee if your new policy | | We/Us/Our: These words are used to |
| Honolulu | | affords you significant savings. So | | refer to the insurer in many of the |
| Torrance | | while it is best to wait until your | | modernized/personalized policy |
| Harlingen | | receive your renewal notice, you CAN | | forms recently introduced. |
| Rome | | cancel your policy at any time. | | |
| Colorado Springs | | | | Mandatory Valuation Reserve: A |
| Escondido | | The best time to switch policies is | | reserve required by a state law to |
| Charlotte | | within one month of receiving your | | offset any declines in the valuation of |
| Carlsbad | | policy renewal from your current | | securities listed as admitted assets. |
| Billings | | insurer. You can typically cancel your | | |
| Belleville | | policy without any fees or penalties if | | Liquidity: The ability of an insurer to |
| Riverside | | you act within this time period. | | convert its assets into cash to pay |
| Spring Hill | | | | claims if necessary. |
| Orange | | Everyone has different needs, and | | |
| Baltimore | | not one size fits all when it comes to | | Collusion: An agreement, usually |
| Fort Smith | | term life insurance. While it may make | | secret, between two or more persons |
| Bronx | | sense for people in their 30s and 40s | | to defraud or deprive another or |
| Spokane | | to secure a 20-year term length, a | | others of their property or rights. |
| Conroe | | 10-year term might be more | | |
| Pensacola | | appropriate for someone nearing | | Cash Flow Underwriting: The use of |
| Tacoma | | retirement. | | rating and premium collection |
| Los Angeles | | | | techniques by insurance companies |
| Denton | | Shopping around is the best way to | | to maximize interest earnings on |
| Tallahassee | | save money on your insurance. | | premiums. |
