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| New Port Richey | | Make sure you have a new policy in | | Multi-Peril Policies: Policies which |
| Long Island City | | place before you cancel your old one | | cover a number of perils, such as fire, |
| Burbank | | to avoid a lapse in coverage. This will | | burglary, and liability, in a single |
| Hendersonville | | also prevent having to figure out the | | contract. |
| Independence | | amount of any unused premium that is | | |
| Portsmouth | | due to you from your old insurance | | Liquidity: The ability of an insurer to |
| Jacksonville | | company, or having to spar with your | | convert its assets into cash to pay |
| Johnstown | | agent about exactly when your policy | | claims if necessary. |
| Albany | | was cancelled and how much they | | |
| Wilmington | | owe you. | | You/Your: These words are used to |
| Berkeley | | | | refer to the named insured in many of |
| Ocala | | While some companies raise their | | the modernized/personalized policy |
| Walnut Creek | | prices based on your actual age, | | forms. |
| Clarksville | | most companies increase the price of | | |
| Oklahoma City | | their policies six months before your | | Authorized Insurer: An insurer |
| Lake Charles | | birthday. Its a term called Age | | authorized by the state to transact |
| Decatur | | Nearest in the industry, and that | | business in that state for specific |
| Oxnard | | half-year price increase could really | | types of insurance. |
| Greeley | | add up over a 20-year term policy. As | | |
| Virginia Beach | | above, the quicker you purchase your | | Insurance Examiner: The |
| Vancouver | | policy the better. | | representative of a state insurance |
| Baltimore | | | | department assigned to participate in |
| Pittsburgh | | If you decide to cancel your policy | | the official audit and examination of |
| Austin | | (after acquiring new coverage) | | an insurer. |
| Boise | | outside of the 30-day period, you may | | |
| San Antonio | | have to pay a fee or penalty. | | Provisions: Statements contained in |
| Cranston | | However, you may still save money | | an insurance policy which explain the |
| Lawton | | after paying the fee if your new policy | | benefits, conditions and other |
| Williamsport | | affords you significant savings. So | | features of the insurance contract. |
| Decatur | | while it is best to wait until your | | |
| Kansas City | | receive your renewal notice, you CAN | | Countersignature: The signature of a |
| San Jose | | cancel your policy at any time. | | licensed agent or representative on a |
| Jackson | | | | policy. |
| Charlotte | | Everyone has different needs, and | | |
| Midland | | not one size fits all when it comes to | | |
| Quincy | | term life insurance. While it may make | | |
| Dayton | | sense for people in their 30s and 40s | | |
| Lake Charles | | to secure a 20-year term length, a | | |
| Bradenton | | 10-year term might be more | | |
| Hollywood | | appropriate for someone nearing | | |
| Arlington | | retirement. | | |
