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| Buffalo | | If you decide to cancel your policy | | Sole Proprietorship: A business |
| Newport News | | (after acquiring new coverage) | | enterprise owned by one person who |
| Oceanside | | outside of the 30-day period, you may | | is its manager and employee. |
| Palo Alto | | have to pay a fee or penalty. | | |
| Walnut Creek | | However, you may still save money | | Approved: The condition which exists |
| Nashville | | after paying the fee if your new policy | | when the person or object to be |
| Anderson | | affords you significant savings. So | | insured meets the underwriting |
| Pompano Beach | | while it is best to wait until your | | standards of the insurer. |
| Fort Myers | | receive your renewal notice, you CAN | | |
| Olympia | | cancel your policy at any time. | | Nonassignable: A policy that the |
| Grand Junction | | | | owner cannot assign to a third party. |
| Topeka | | Why not take advantage of current | | Most policies are nonassignable |
| Palo Alto | | low prices? Many auto insurance | | unless approval is given by the |
| Florence | | consumers are becoming educated | | insurer. |
| Des Moines | | on other companies, plans, and rates | | |
| St. Louis | | that are available to them; ones that | | Appraisal: An evaluation of property |
| Erie | | could afford them significant savings | | made to ascertain either the |
| Palm Desert | | on their auto insurance. | | appropriate amount of insurance to |
| New Orleans | | | | be written or the amount of loss to be |
| Irvine | | Healthy people have the best | | paid. |
| Decatur | | mortality risks and thus are much | | |
| St. Joseph | | cheaper for companies to insure. This | | Tariff Rate: A rate established by a |
| Tacoma | | translates into lower rates for the | | rating organization, which comes from |
| Fullerton | | Super Preferred customer than | | the tables, schedules and rules found |
| Tampa | | someone with higher risk factors such | | in the tariff of rates. |
| Spartanburg | | as a heart condition, cancer or | | |
| Decatur | | diabetes. Conversely, if you were | | Short-Term Policy: A policy written for |
| Lancaster | | unhealthy when you acquired your | | a period of less time than is normal for |
| Lancaster | | policy, and your health has now | | that type of policy. |
| Lafayette | | improved, it might be time to shop for | | |
| Lakewood | | a new policy, as your rates are likely | | Other Insurance: The existence of |
| Westbury | | to be lower. | | other contracts covering the same |
| Lancaster | | | | interest and perils. |
| Dayton | | Everyone has different needs, and | | |
| Irvine | | not one size fits all when it comes to | | |
| Pompano Beach | | term life insurance. While it may make | | |
| Newburgh | | sense for people in their 30s and 40s | | |
| Harrisburg | | to secure a 20-year term length, a | | |
| Joliet | | 10-year term might be more | | |
| Atlanta | | appropriate for someone nearing | | |
| Hattiesburg | | retirement. | | |
