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| Peoria | | People who are trying to quit | | Book Value: Refers to the value of |
| Bloomington | | smoking, for example, might be best | | assets as shown in the official |
| Rapid City | | suited purchasing a shorter term (and | | accounting records of the company. |
| Arlington | | then replacing it with a longer term | | |
| Malden | | policy when they qualify for | | Expense Allowance: A compensation |
| Westbury | | non-tobacco prices). | | paid to an insurance agent in excess |
| Alexandria | | | | of prescribed commissions. |
| Burbank | | Individuals who have 30-year | | |
| Wilmington | | mortgages might want to consider a | | Admitted (or Allowed) Assets: Assets |
| Tallahassee | | 30-year term to ensure that the house | | whose values are permitted by state |
| Stockbridge | | is protected throughout the period of | | law to be included in the annual |
| Tulsa | | the loan. | | statement of the insurer. |