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| Colorado Springs | | The best time to switch policies is | | Fiduciary: A person holding the funds |
| Salem | | within one month of receiving your | | or property of another in a position of |
| Portsmouth | | policy renewal from your current | | trust. An example would be the |
| Springfield | | insurer. You can typically cancel your | | executor of an estate. |
| Columbia | | policy without any fees or penalties if | | |
| Palm Desert | | you act within this time period. | | Monoline Policy: Any insurance |
| Milwaukee | | | | coverage written as a single line |
| Hampton | | People who are trying to quit | | policy. Contrast with Multiple Line or |
| Decatur | | smoking, for example, might be best | | Package policy. |
| Warren | | suited purchasing a shorter term (and | | |
| Jacksonville | | then replacing it with a longer term | | Liquidity: The ability of an insurer to |
| Philadelphia | | policy when they qualify for | | convert its assets into cash to pay |
| Billings | | non-tobacco prices). | | claims if necessary. |
