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| Daytona Beach | | If you decide to cancel your policy | | Initial Premium: An amount paid at the |
| Huntsville | | (after acquiring new coverage) | | inception of an insurance contract, |
| Canton | | outside of the 30-day period, you may | | usually subject to adjustment at the |
| Mesa | | have to pay a fee or penalty. | | end of the policy period. |
| Mansfield | | However, you may still save money | | |
| Wichita | | after paying the fee if your new policy | | Insolvent Insurer: An insurer which is |
| Garland | | affords you significant savings. So | | unable to meet its financial |
| Rochester | | while it is best to wait until your | | obligations. |
| Southfield | | receive your renewal notice, you CAN | | |
| Pittsburgh | | cancel your policy at any time. | | War Risk Insurance: Insurance |
| Greensboro | | | | covering damage caused by war. |
| Union | | The quickest and easiest way to | | Most often written by Ocean Marine |
| Lafayette | | shop for new insurance is by | | Insurance companies covering |
| Newark | | comparing rates at InsWebs online | | vessels. |
| Roanoke | | marketplace. If you do it the | | |
| Odessa | | old-fashioned way (by calling or | | Dual Life Stock Company: A stock |
| Nashville | | visiting multiple agents or insurance | | Life insurer issuing both participating |
| New York | | companies) it could take up a huge | | and nonparticipating policy contracts. |
| Walnut Creek | | chunk of your time, which no one | | |
| Fall River | | wants or needs. By completing | | Cash Flow Underwriting: The use of |
| Santa Monica | | InsWebs online application, you will | | rating and premium collection |
| Waco | | have rates to compare to your old | | techniques by insurance companies |
| Joliet | | ones within minutes! | | to maximize interest earnings on |
| Grand Junction | | | | premiums. |
| Boynton Beach | | Shopping around is the best way to | | |
| Lake Charles | | save money on your insurance. | | Stock Option Plan: Surviving |
| Lafayette | | | | stockholders have the option to |
| Garland | | Everyone has different needs, and | | purchase or not purchase the shares |
| Longmont | | not one size fits all when it comes to | | of a deceased stockholder. |
| New York | | term life insurance. While it may make | | |
| Chandler | | sense for people in their 30s and 40s | | Paid-In Surplus: Surplus paid in by |
| Jonesboro | | to secure a 20-year term length, a | | stockholders, as contrasted with |
| Scranton | | 10-year term might be more | | surplus earned through the |
| Belleville | | appropriate for someone nearing | | operations of a business. |
| Cookeville | | retirement. | | |
