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| Charleston | | While some companies raise their | | Basic Rate: The manual rate from |
| Flushing | | prices based on your actual age, | | which discounts are taken or to which |
| Bellevue | | most companies increase the price of | | charges are added to reflect the |
| Grand Rapids | | their policies six months before your | | individual circumstances of a risk. |
| Duluth | | birthday. Its a term called Age | | |
| Saginaw | | Nearest in the industry, and that | | Policywriting Agent: An agent who has |
| Williamsburg | | half-year price increase could really | | the authority to prepare and effect an |
| Sterling Heights | | add up over a 20-year term policy. As | | insurer's policy. |
| Joliet | | above, the quicker you purchase your | | |
| Westbury | | policy the better. | | Producer: A term applied to an agent, |
| Naperville | | | | solicitor or other person who sells |
| Montgomery | | If you decide to cancel your policy | | insurance. |
| Killeen | | (after acquiring new coverage) | | |
| Westbury | | outside of the 30-day period, you may | | Exclusion: A contractual provision that |
| Jackson | | have to pay a fee or penalty. | | denies coverage for certain perils, |
| Montgomery | | However, you may still save money | | persons, property, or locations. |
| New Port Richey | | after paying the fee if your new policy | | |
| Elkhart | | affords you significant savings. So | | Exclusions: Specific situations, |
| Gainesville | | while it is best to wait until your | | conditions, or circumstances that are |
| Cypress | | receive your renewal notice, you CAN | | listed in the contract as being not |
| Schaumburg | | cancel your policy at any time. | | covered. |
