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| Orange | | People who are trying to quit | | Independent Agent: An agent |
| Bethlehem | | smoking, for example, might be best | | operating as an independent |
| Staten Island | | suited purchasing a shorter term (and | | contractor under the independent |
| Council Bluffs | | then replacing it with a longer term | | agency system. |
| Englewood | | policy when they qualify for | | |
| Melbourne | | non-tobacco prices). | | Short-Term Policy: A policy written for |
| Lorain | | | | a period of less time than is normal for |
| Tucson | | The best time to switch policies is | | that type of policy. |
| Orange Park | | within one month of receiving your | | |
| Columbus | | policy renewal from your current | | Exclusions: Specific situations, |
| Goldsboro | | insurer. You can typically cancel your | | conditions, or circumstances that are |
| Arlington | | policy without any fees or penalties if | | listed in the contract as being not |
| Dothan | | you act within this time period. | | covered. |