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| Anderson | | Individuals who have 30-year | | Lapsed Policy: One which has been |
| Newburgh | | mortgages might want to consider a | | allowed to expire because of |
| Beaumont | | 30-year term to ensure that the house | | nonpayment of premiums. |
| Colorado Springs | | is protected throughout the period of | | |
| Wichita | | the loan. | | Replacement: A new policy written to |
| Jackson | | | | take the place of one currently in force. |
| Santa Clara | | Make sure you have a new policy in | | |
| Stockbridge | | place before you cancel your old one | | Policywriting Agent: An agent who has |
| Newark | | to avoid a lapse in coverage. This will | | the authority to prepare and effect an |
| Brooklyn | | also prevent having to figure out the | | insurer's policy. |
| Cookeville | | amount of any unused premium that is | | |
| Newport News | | due to you from your old insurance | | Loss Frequency: The number of times |
| Orange | | company, or having to spar with your | | a loss occurs over a specific period |
| Texarkana | | agent about exactly when your policy | | of time. |
| Texarkana | | was cancelled and how much they | | |
| Chattanooga | | owe you. | | Initial Premium: An amount paid at the |
| Lawrenceville | | | | inception of an insurance contract, |
| Orlando | | The best time to switch policies is | | usually subject to adjustment at the |
| Fredericksburg | | within one month of receiving your | | end of the policy period. |
| Venice | | policy renewal from your current | | |
| Hattiesburg | | insurer. You can typically cancel your | | Overlapping Insurance: Coverage |
| Springfield | | policy without any fees or penalties if | | from two or more policies or insurers |
| Pasadena | | you act within this time period. | | which duplicates coverage of certain |
| Woodbridge | | | | risks. |
| Staten Island | | We offer quotes for auto insurance, | | |
| Harrisburg | | life insurance, homeowners | | Indemnity: Restoration to the victim of |
| Tempe | | insurance, health insurance, term life | | a loss by payment, repair, or |
| Staten Island | | insurance and more. | | replacement. |
