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| Toms River | | People who are trying to quit | | Indemnity: Restoration to the victim of |
| Lafayette | | smoking, for example, might be best | | a loss by payment, repair, or |
| Albany | | suited purchasing a shorter term (and | | replacement. |
| Jackson | | then replacing it with a longer term | | |
| Gainesville | | policy when they qualify for | | Public Adjuster: An insurance adjuster |
| Wichita Falls | | non-tobacco prices). | | who represents an insured on a fee |
| Albany | | | | basis in claims settlement. Contrast |
| Walnut Creek | | Make sure you have a new policy in | | with Independent Adjuster. |
| Williamsburg | | place before you cancel your old one | | |
| Newburgh | | to avoid a lapse in coverage. This will | | You/Your: These words are used to |
| Lowell | | also prevent having to figure out the | | refer to the named insured in many of |
| Vero Beach | | amount of any unused premium that is | | the modernized/personalized policy |
| St. Joseph | | due to you from your old insurance | | forms. |
| Springfield | | company, or having to spar with your | | |
| San Antonio | | agent about exactly when your policy | | Gain and Loss Exhibit: The portion of |
| Fredericksburg | | was cancelled and how much they | | the convention blank which |
| Costa Mesa | | owe you. | | represents an analysis of gains, |
| Waco | | | | losses, and surplus during an |
| Overland Park | | While some companies raise their | | accounting period. |
| Burbank | | prices based on your actual age, | | |
| Albuquerque | | most companies increase the price of | | Exclusions: Specific situations, |
| White Plains | | their policies six months before your | | conditions, or circumstances that are |
| Billings | | birthday. Its a term called Age | | listed in the contract as being not |
| Silver Spring | | Nearest in the industry, and that | | covered. |
| San Antonio | | half-year price increase could really | | |
| Topeka | | add up over a 20-year term policy. As | | Notice To Company: Written notice to |
| Pueblo | | above, the quicker you purchase your | | an insurer of the occurrence of an |
| Jonesboro | | policy the better. | | event which a claim is to be based. |
