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| Naples | | People who are trying to quit | | Business: In Property, Liability, and |
| Monroe | | smoking, for example, might be best | | Health lines, it usually refers to the |
| Baton Rouge | | suited purchasing a shorter term (and | | volume of premiums. |
| Bay City | | then replacing it with a longer term | | |
| Berkeley | | policy when they qualify for | | Loss Adjustment Expense: The cost |
| Southfield | | non-tobacco prices). | | of adjusting losses, excluding the |
| Council Bluffs | | | | amount of the loss itself. |
| Minneapolis | | Make sure you have a new policy in | | |
| Las Vegas | | place before you cancel your old one | | Approved: The condition which exists |
| Bethlehem | | to avoid a lapse in coverage. This will | | when the person or object to be |
| Santa Barbara | | also prevent having to figure out the | | insured meets the underwriting |
| Saginaw | | amount of any unused premium that is | | standards of the insurer. |
| Lancaster | | due to you from your old insurance | | |
| Anderson | | company, or having to spar with your | | Initial Premium: An amount paid at the |
| Redlands | | agent about exactly when your policy | | inception of an insurance contract, |
| Lorain | | was cancelled and how much they | | usually subject to adjustment at the |
| Santa Clara | | owe you. | | end of the policy period. |
