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| Flushing | | People who are trying to quit | | Premium Notice: A form notice from |
| Lancaster | | smoking, for example, might be best | | an insurer or agency to a policy |
| San Jose | | suited purchasing a shorter term (and | | owner that a premium will be due on a |
| Chattanooga | | then replacing it with a longer term | | given date. |
| Conroe | | policy when they qualify for | | |
| Anaheim | | non-tobacco prices). | | Premium: The price of insurance |
| Johnson City | | | | protection for a specified risk for a |
| West Palm Beach | | We offer quotes for auto insurance, | | specified period of time. |
| Texarkana | | life insurance, homeowners | | |
| Warwick | | insurance, health insurance, term life | | Lloyd's Broker: A person who has the |
| Stockton | | insurance and more. | | authority to negotiate insurance |
| St. Louis | | | | contracts with the underwriters on the |
| Wichita | | If you decide to cancel your policy | | floor at Lloyd's. |
| Williamsburg | | (after acquiring new coverage) | | |
| Lakewood | | outside of the 30-day period, you may | | Independent Agent: An agent |
| Lakewood | | have to pay a fee or penalty. | | operating as an independent |
| Coral Springs | | However, you may still save money | | contractor under the independent |
| Springfield | | after paying the fee if your new policy | | agency system. |
| Phoenix | | affords you significant savings. So | | |
| Portsmouth | | while it is best to wait until your | | Countersignature: The signature of a |
| San Francisco | | receive your renewal notice, you CAN | | licensed agent or representative on a |
| Lubbock | | cancel your policy at any time. | | policy. |
