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| Youngstown | | If you decide to cancel your policy | | Open Rating: A system whereby a |
| Naperville | | (after acquiring new coverage) | | state allows an insurer to use rates |
| Hartford | | outside of the 30-day period, you may | | without prior approval. |
| Macon | | have to pay a fee or penalty. | | |
| Rochester | | However, you may still save money | | Notice To Company: Written notice to |
| Fall River | | after paying the fee if your new policy | | an insurer of the occurrence of an |
| High Point | | affords you significant savings. So | | event which a claim is to be based. |
| Stuart | | while it is best to wait until your | | |
| Morristown | | receive your renewal notice, you CAN | | Interstate Carrier: A transportation |
| Washington | | cancel your policy at any time. | | company which does business |
| Tulsa | | | | across state lines. |
| Richmond | | At InsWeb, you can compare free | | |
| Milwaukee | | online insurance quotes from many of | | Accidental Bodily Injury: An injury |
| Plano | | the nations leading insurance | | sustained accidentally. Only the result |
| Goldsboro | | companies. | | need be accidental. Contrast with |
| San Antonio | | | | Accidental Means. |
| Berkeley | | Everyone has different needs, and | | |
| Winter Park | | not one size fits all when it comes to | | Initial Premium: An amount paid at the |
| Gainesville | | term life insurance. While it may make | | inception of an insurance contract, |
| Albany | | sense for people in their 30s and 40s | | usually subject to adjustment at the |
| Lake Charles | | to secure a 20-year term length, a | | end of the policy period. |
| San Francisco | | 10-year term might be more | | |
| Yonkers | | appropriate for someone nearing | | Collusion: An agreement, usually |
| Harrisburg | | retirement. | | secret, between two or more persons |
| Slidell | | | | to defraud or deprive another or |
| Anderson | | While some companies raise their | | others of their property or rights. |
| Irvine | | prices based on your actual age, | | |
| Hemet | | most companies increase the price of | | Public Adjuster: An insurance adjuster |
| Chandler | | their policies six months before your | | who represents an insured on a fee |
| Tempe | | birthday. Its a term called Age | | basis in claims settlement. Contrast |
| Fort Smith | | Nearest in the industry, and that | | with Independent Adjuster. |
| Richmond | | half-year price increase could really | | |
| Boca Raton | | add up over a 20-year term policy. As | | Short Rate Premium: The premium |
| Toms River | | above, the quicker you purchase your | | required for issuing a policy for a |
| Woodbridge | | policy the better. | | period less than its normal term. |
