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| Pittsburgh | | If you decide to cancel your policy | | Amendment: A formal document |
| Alpharetta | | (after acquiring new coverage) | | which corrects or revises an |
| Troy | | outside of the 30-day period, you may | | insurance master policy. |
| Beaumont | | have to pay a fee or penalty. | | |
| Hattiesburg | | However, you may still save money | | Insurance Examiner: The |
| Denton | | after paying the fee if your new policy | | representative of a state insurance |
| Honolulu | | affords you significant savings. So | | department assigned to participate in |
| Long Beach | | while it is best to wait until your | | the official audit and examination of |
| St. Paul | | receive your renewal notice, you CAN | | an insurer. |
| Amarillo | | cancel your policy at any time. | | |
| Warwick | | | | Partnership: A business enterprise |
| Portsmouth | | Healthy people have the best | | owned and operated by two or more |
| Corpus Christi | | mortality risks and thus are much | | persons for the purpose of generating |
| Hollywood | | cheaper for companies to insure. This | | business income and profits. |
| Portland | | translates into lower rates for the | | |
| Escondido | | Super Preferred customer than | | Policywriting Agent: An agent who has |
| Durham | | someone with higher risk factors such | | the authority to prepare and effect an |
| Stockton | | as a heart condition, cancer or | | insurer's policy. |
| Scottsdale | | diabetes. Conversely, if you were | | |
| Topeka | | unhealthy when you acquired your | | Accidental Bodily Injury: An injury |
| Thousand Oaks | | policy, and your health has now | | sustained accidentally. Only the result |
| Downey | | improved, it might be time to shop for | | need be accidental. Contrast with |
| Tampa | | a new policy, as your rates are likely | | Accidental Means. |
| Winter Park | | to be lower. | | |
| Cherry Hill | | | | Dual Life Stock Company: A stock |
| Sioux City | | The best time to switch policies is | | Life insurer issuing both participating |
| Oceanside | | within one month of receiving your | | and nonparticipating policy contracts. |
| Littleton | | policy renewal from your current | | |
| Denton | | insurer. You can typically cancel your | | Index Bureau Experience: A measure |
| Arlington | | policy without any fees or penalties if | | of losses relating to claims reported |
| Greenville | | you act within this time period. | | through a claim office during a |
| Glendale | | | | 12-month period. |
| Springfield | | Everyone has different needs, and | | |
| Joliet | | not one size fits all when it comes to | | Nonassignable: A policy that the |
| Grand Rapids | | term life insurance. While it may make | | owner cannot assign to a third party. |
| Lowell | | sense for people in their 30s and 40s | | Most policies are nonassignable |
| Greensboro | | to secure a 20-year term length, a | | unless approval is given by the |
| Oceanside | | 10-year term might be more | | insurer. |
| Manchester | | appropriate for someone nearing | | |
| Spokane | | retirement. | | |
