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| Scranton | | Everyone has different needs, and | | Operating Expense: The expense of |
| New Orleans | | not one size fits all when it comes to | | an insurer other than commissions |
| Fayetteville | | term life insurance. While it may make | | and taxes. Called " and Insurance |
| Edmond | | sense for people in their 30s and 40s | | Expense" in the convention statement |
| Biloxi | | to secure a 20-year term length, a | | blank. |
| Memphis | | 10-year term might be more | | |
| Huntington | | appropriate for someone nearing | | You/Your: These words are used to |
| Cape Coral | | retirement. | | refer to the named insured in many of |
| Rockville | | | | the modernized/personalized policy |
| Redlands | | We offer quotes for auto insurance, | | forms. |
| Poughkeepsie | | life insurance, homeowners | | |
| San Antonio | | insurance, health insurance, term life | | Exclusion: A contractual provision that |
| Independence | | insurance and more. | | denies coverage for certain perils, |
| Anderson | | | | persons, property, or locations. |
| Belleville | | Shopping around is the best way to | | |
| Scottsdale | | save money on your insurance. | | Partnership Entity: The partnership |
| El Paso | | | | considered as an entity and not in |
| Rapid City | | If you decide to cancel your policy | | terms of its individual part-owners. |
| Chandler | | (after acquiring new coverage) | | |
| San Diego | | outside of the 30-day period, you may | | Brokerage Department: A department |
| Boston | | have to pay a fee or penalty. | | of an insurer whose purpose is to |
| Long Beach | | However, you may still save money | | deal with brokers in the placing of |
| Rapid City | | after paying the fee if your new policy | | insurance. |
| Des Moines | | affords you significant savings. So | | |
| Beaumont | | while it is best to wait until your | | Partnership: A business enterprise |
| Panama City | | receive your renewal notice, you CAN | | owned and operated by two or more |
| Lansing | | cancel your policy at any time. | | persons for the purpose of generating |
| Gulfport | | | | business income and profits. |
| Baton Rouge | | Healthy people have the best | | |
| Jacksonville | | mortality risks and thus are much | | Notice of Cancellation: Written notice |
| Billings | | cheaper for companies to insure. This | | by an insurer of intent to cancel |
| Philadelphia | | translates into lower rates for the | | insurance, or written notice by an |
| Johnson City | | Super Preferred customer than | | insured requesting cancellation. |
| Ocala | | someone with higher risk factors such | | |
| Englewood | | as a heart condition, cancer or | | |
| Turlock | | diabetes. Conversely, if you were | | |
| Birmingham | | unhealthy when you acquired your | | |
| Berkeley | | policy, and your health has now | | |
| Lake Charles | | improved, it might be time to shop for | | |
| Walnut Creek | | a new policy, as your rates are likely | | |
| Kansas City | | to be lower. | | |
