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| Lakewood | | People who are trying to quit | | Nonassignable: A policy that the |
| Roanoke | | smoking, for example, might be best | | owner cannot assign to a third party. |
| Monroe | | suited purchasing a shorter term (and | | Most policies are nonassignable |
| Portland | | then replacing it with a longer term | | unless approval is given by the |
| Decatur | | policy when they qualify for | | insurer. |
| Los Angeles | | non-tobacco prices). | | |
| Baltimore | | | | Exclusion: A contractual provision that |
| Tampa | | Why not take advantage of current | | denies coverage for certain perils, |
| Jackson | | low prices? Many auto insurance | | persons, property, or locations. |
| St. Louis | | consumers are becoming educated | | |
| Palm Harbor | | on other companies, plans, and rates | | Will Ride: Coverage that remains in |
| Baltimore | | that are available to them; ones that | | effect regardless of the geographical |
| Sioux City | | could afford them significant savings | | location in which a loss occurs. |
| Kansas City | | on their auto insurance. | | |
| Hartford | | | | Amendment: A formal document |
| Santa Barbara | | Individuals who have 30-year | | which corrects or revises an |
| Savannah | | mortgages might want to consider a | | insurance master policy. |
| Melbourne | | 30-year term to ensure that the house | | |
| Santa Barbara | | is protected throughout the period of | | Fiduciary: A person holding the funds |
| Norfolk | | the loan. | | or property of another in a position of |
| Salt Lake City | | | | trust. An example would be the |
| Plano | | If you decide to cancel your policy | | executor of an estate. |
| Tempe | | (after acquiring new coverage) | | |
| West Palm Beach | | outside of the 30-day period, you may | | Deficit Carried Forward: The transfer |
| Harlingen | | have to pay a fee or penalty. | | of a debit balance from one |
| Franklin | | However, you may still save money | | accounting period to another. |
| Metairie | | after paying the fee if your new policy | | |
| Jasper | | affords you significant savings. So | | Losses Outstanding: A summary |
| Longwood | | while it is best to wait until your | | statement prepared by Property, Life, |
| San Antonio | | receive your renewal notice, you CAN | | and Liability insurers showing claims |
| Lancaster | | cancel your policy at any time. | | not yet settled. |
