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| Livonia | | The best time to switch policies is | | First Party Insurance: Insurance which |
| Albuquerque | | within one month of receiving your | | applies to coverage for the insured's |
| Troy | | policy renewal from your current | | own property or person. Contrast with |
| Boca Raton | | insurer. You can typically cancel your | | Third Party Insurance. |
| Indianapolis | | policy without any fees or penalties if | | |
| Spartanburg | | you act within this time period. | | Policy Period (or Term): The period |
| Augusta | | | | during which the policy contract |
| Lakeland | | People who are trying to quit | | affords protection, e.g., six months or |
| Lake Worth | | smoking, for example, might be best | | one or three years. |
| Brooklyn | | suited purchasing a shorter term (and | | |
| Walnut Creek | | then replacing it with a longer term | | License: A certification of authority for |
| Jacksonville | | policy when they qualify for | | an agent or insurer to operate, given |
| Allentown | | non-tobacco prices). | | by the appropriate jurisdiction. |