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| Anaheim | | People who are trying to quit | | Incurred Expense: Expenses not yet |
| Scranton | | smoking, for example, might be best | | paid. Can also include paid |
| Durham | | suited purchasing a shorter term (and | | expenses in some accounting |
| Seattle | | then replacing it with a longer term | | systems. |
| Colorado Springs | | policy when they qualify for | | |
| Orlando | | non-tobacco prices). | | Net Interest Earned: The average |
| Killeen | | | | interest earned by an insurer on its |
| Pueblo | | The best time to switch policies is | | investments after investment expense |
| Gainesville | | within one month of receiving your | | but before federal income taxes. |
| Goldsboro | | policy renewal from your current | | |
| Cranston | | insurer. You can typically cancel your | | Loss Frequency: The number of times |
| Tampa | | policy without any fees or penalties if | | a loss occurs over a specific period |
| Bakersfield | | you act within this time period. | | of time. |
