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| Cleveland | | Make sure you have a new policy in | | Agency: An insurance sales office |
| Newport News | | place before you cancel your old one | | which is directed by a agent, |
| Longwood | | to avoid a lapse in coverage. This will | | manager, independent agent, or |
| Milwaukee | | also prevent having to figure out the | | company manager. |
| Springfield | | amount of any unused premium that is | | |
| Florissant | | due to you from your old insurance | | Lloyd's Broker: A person who has the |
| Norwalk | | company, or having to spar with your | | authority to negotiate insurance |
| Jackson | | agent about exactly when your policy | | contracts with the underwriters on the |
| Waterloo | | was cancelled and how much they | | floor at Lloyd's. |
| Sumter | | owe you. | | |
| Springfield | | | | Approved: The condition which exists |
| Bradenton | | Healthy people have the best | | when the person or object to be |
| Wilmington | | mortality risks and thus are much | | insured meets the underwriting |
| New Port Richey | | cheaper for companies to insure. This | | standards of the insurer. |
| Killeen | | translates into lower rates for the | | |
| Lafayette | | Super Preferred customer than | | Indemnify: To restore the victim of a |
| Austin | | someone with higher risk factors such | | loss to the same position as before |
| Monroe | | as a heart condition, cancer or | | the loss occurred. |
| Arlington | | diabetes. Conversely, if you were | | |
| Springfield | | unhealthy when you acquired your | | Capital Sum: The maximum lump sum |
| Southfield | | policy, and your health has now | | payable in the event of accidental |
| Overland Park | | improved, it might be time to shop for | | death or dismemberment. |
| Rockville | | a new policy, as your rates are likely | | |
| Grand Prairie | | to be lower. | | Policywriting Agent: An agent who has |
| Jasper | | | | the authority to prepare and effect an |
| Acworth | | If you decide to cancel your policy | | insurer's policy. |
| Poughkeepsie | | (after acquiring new coverage) | | |
| Sunnyvale | | outside of the 30-day period, you may | | Will Ride: Coverage that remains in |
| Columbia | | have to pay a fee or penalty. | | effect regardless of the geographical |
| El Cajon | | However, you may still save money | | location in which a loss occurs. |
| Buffalo | | after paying the fee if your new policy | | |
| Anchorage | | affords you significant savings. So | | Basic Rate: The manual rate from |
| Jackson | | while it is best to wait until your | | which discounts are taken or to which |
| Muncie | | receive your renewal notice, you CAN | | charges are added to reflect the |
| Irvine | | cancel your policy at any time. | | individual circumstances of a risk. |
