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| Boulder | | The best time to switch policies is | | Collusion: An agreement, usually |
| Kalamazoo | | within one month of receiving your | | secret, between two or more persons |
| St. Joseph | | policy renewal from your current | | to defraud or deprive another or |
| Long Island City | | insurer. You can typically cancel your | | others of their property or rights. |
| Hattiesburg | | policy without any fees or penalties if | | |
| Morristown | | you act within this time period. | | Lapsed Policy: One which has been |
| Tallahassee | | | | allowed to expire because of |
| Bronx | | Everyone has different needs, and | | nonpayment of premiums. |
| Long Beach | | not one size fits all when it comes to | | |
| Colorado Springs | | term life insurance. While it may make | | Effective Date: The date on which the |
| Allentown | | sense for people in their 30s and 40s | | protection of an insurance policy or |
| Amarillo | | to secure a 20-year term length, a | | bond goes into effect. |
| Pasadena | | 10-year term might be more | | |
| Tulsa | | appropriate for someone nearing | | Overlapping Insurance: Coverage |
| Indianapolis | | retirement. | | from two or more policies or insurers |
| Boston | | | | which duplicates coverage of certain |
| Detroit | | Shopping around is the best way to | | risks. |
| Louisville | | save money on your insurance. | | |
| Palm Desert | | | | You/Your: These words are used to |
| Jacksonville | | At InsWeb, you can compare free | | refer to the named insured in many of |
| Vero Beach | | online insurance quotes from many of | | the modernized/personalized policy |
| Lansing | | the nations leading insurance | | forms. |
| Lake Charles | | companies. | | |
| Stockbridge | | | | Building Code: This refers to |
| Longview | | People who are trying to quit | | municipal or other governmental |
| Coral Springs | | smoking, for example, might be best | | ordinances regulating the type of |
| Newport News | | suited purchasing a shorter term (and | | construction of buildings within its |
| Portland | | then replacing it with a longer term | | jurisdiction. |
| Huntsville | | policy when they qualify for | | |
| Omaha | | non-tobacco prices). | | Provisions: Statements contained in |
| Rockford | | | | an insurance policy which explain the |
| Cincinnati | | The quickest and easiest way to | | benefits, conditions and other |
| Toms River | | shop for new insurance is by | | features of the insurance contract. |
| Union | | comparing rates at InsWebs online | | |
| Billings | | marketplace. If you do it the | | |
| Wilmington | | old-fashioned way (by calling or | | |
| Fort Worth | | visiting multiple agents or insurance | | |
| Newark | | companies) it could take up a huge | | |
| Charleston | | chunk of your time, which no one | | |
| Philadelphia | | wants or needs. By completing | | |
| Lafayette | | InsWebs online application, you will | | |
| Louisville | | have rates to compare to your old | | |
| Toms River | | ones within minutes! | | |
