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| Sacramento | | People who are trying to quit | | Legislative Risk: A risk faced by |
| Topeka | | smoking, for example, might be best | | investors whereby changes in tax |
| El Cajon | | suited purchasing a shorter term (and | | laws can result in adverse effects on |
| South Bend | | then replacing it with a longer term | | the individual's investment results. |
| Denton | | policy when they qualify for | | |
| North Hollywood | | non-tobacco prices). | | Monoline Policy: Any insurance |
| Beaumont | | | | coverage written as a single line |
| Woodbridge | | Why not take advantage of current | | policy. Contrast with Multiple Line or |
| Elkhart | | low prices? Many auto insurance | | Package policy. |
| Venice | | consumers are becoming educated | | |
| Conroe | | on other companies, plans, and rates | | Renewal: The reestablishment of the |
| Pembroke Pines | | that are available to them; ones that | | in-force status of a policy, the term of |
| Henderson | | could afford them significant savings | | which has expired or will expire |
| Hartford | | on their auto insurance. | | unless it is renewed. |