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| Billings | | If you decide to cancel your policy | | Agency Contract (or Agreement): The |
| South Bend | | (after acquiring new coverage) | | document which establishes the legal |
| Pueblo | | outside of the 30-day period, you may | | relationship between an agent and an |
| Newark | | have to pay a fee or penalty. | | insurer. |
| Greenville | | However, you may still save money | | |
| Philadelphia | | after paying the fee if your new policy | | Agency: An insurance sales office |
| Birmingham | | affords you significant savings. So | | which is directed by a agent, |
| Orange Park | | while it is best to wait until your | | manager, independent agent, or |
| Reno | | receive your renewal notice, you CAN | | company manager. |
| Palm Harbor | | cancel your policy at any time. | | |
| Bronx | | | | War Risk Insurance: Insurance |
| Buffalo | | Individuals who have 30-year | | covering damage caused by war. |
| Palo Alto | | mortgages might want to consider a | | Most often written by Ocean Marine |
| Rochester | | 30-year term to ensure that the house | | Insurance companies covering |
| Marietta | | is protected throughout the period of | | vessels. |
| Johnson City | | the loan. | | |
| Newark | | | | Exclusions: Specific situations, |
| Providence | | People who are trying to quit | | conditions, or circumstances that are |
| Toms River | | smoking, for example, might be best | | listed in the contract as being not |
| Mansfield | | suited purchasing a shorter term (and | | covered. |
| Fort Myers | | then replacing it with a longer term | | |
| Youngstown | | policy when they qualify for | | Claim Expense: The expense of |
| Myrtle Beach | | non-tobacco prices). | | adjusting a claim, such as |
| Fresno | | | | investigation and attorneys' fees. It |
| Vero Beach | | Life insurance, specifically Term Life, | | does not include the cost of the claim |
| Anaheim | | is arguably one of the best values in | | itself. |
| Erie | | the entire financial services arena. | | |
| Independence | | Where else can you go and get | | Agent's Balance: A periodic |
| Newark | | hundreds of thousands of dollars in | | statement of the sums due and owed |
| Las Cruces | | protection for literally pennies per | | to an agent under the agent's contract |
| Lafayette | | day? Rates for Term Life insurance | | with an insurer. |
| Atlanta | | remain at all-time lows, and now is the | | |
| Belleville | | time to lock in the best prices. | | Accident Year Experience: Measures |
| Johnson City | | | | premiums and losses relating to |
| Metairie | | | | accidents which occurred during a |
| Vineland | | | | 12-month period. |
