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| Springfield | | Individuals who have 30-year | | Accidental Bodily Injury: An injury |
| El Cajon | | mortgages might want to consider a | | sustained accidentally. Only the result |
| Bay City | | 30-year term to ensure that the house | | need be accidental. Contrast with |
| Buffalo | | is protected throughout the period of | | Accidental Means. |
| Bakersfield | | the loan. | | |
| Williamsport | | | | Independent Agent: An agent |
| Pueblo | | We offer quotes for auto insurance, | | operating as an independent |
| Billings | | life insurance, homeowners | | contractor under the independent |
| Bethlehem | | insurance, health insurance, term life | | agency system. |
| San Antonio | | insurance and more. | | |
| Burbank | | | | Notice of Cancellation: Written notice |
| Pensacola | | Make sure you have a new policy in | | by an insurer of intent to cancel |
| Canton | | place before you cancel your old one | | insurance, or written notice by an |
| Orange | | to avoid a lapse in coverage. This will | | insured requesting cancellation. |
| Johnstown | | also prevent having to figure out the | | |
| Littleton | | amount of any unused premium that is | | Exclusions: Specific situations, |
| Williamsport | | due to you from your old insurance | | conditions, or circumstances that are |
| Greeley | | company, or having to spar with your | | listed in the contract as being not |
| Salem | | agent about exactly when your policy | | covered. |
| Canton | | was cancelled and how much they | | |
| Hollywood | | owe you. | | Stock Option Plan: Surviving |
| Tampa | | | | stockholders have the option to |
| Lima | | People who are trying to quit | | purchase or not purchase the shares |
| Erie | | smoking, for example, might be best | | of a deceased stockholder. |
| Glendale | | suited purchasing a shorter term (and | | |
| Anchorage | | then replacing it with a longer term | | Equity: The money value of an |
| Dayton | | policy when they qualify for | | insurance company that is over and |
| Indianapolis | | non-tobacco prices). | | above its liabilities. Liabilities include |
| Orlando | | | | almost all of its reserves. |
| Amarillo | | The quickest and easiest way to | | |
| Lafayette | | shop for new insurance is by | | Lapsed Policy: One which has been |
| Sarasota | | comparing rates at InsWebs online | | allowed to expire because of |
| Columbus | | marketplace. If you do it the | | nonpayment of premiums. |
| Savannah | | old-fashioned way (by calling or | | |
| Monroe | | visiting multiple agents or insurance | | |
| Bayside | | companies) it could take up a huge | | |
| Houston | | chunk of your time, which no one | | |
| Bakersfield | | wants or needs. By completing | | |
| Harlingen | | InsWebs online application, you will | | |
| Arlington | | have rates to compare to your old | | |
| Clearwater | | ones within minutes! | | |
