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| Waco | | People who are trying to quit | | Fictitious Groups: Groups formed |
| Abilene | | smoking, for example, might be best | | primarily for the purpose of buying |
| Bellevue | | suited purchasing a shorter term (and | | insurance. Under the law such groups |
| Sioux Falls | | then replacing it with a longer term | | may not be underwritten. |
| Chesapeake | | policy when they qualify for | | |
| Springfield | | non-tobacco prices). | | Underwriters Laboratories, Inc. (UL): A |
| Longmont | | | | testing laboratory for manufactured |
| Oxnard | | Everyone has different needs, and | | items to determine their safety |
| Fredericksburg | | not one size fits all when it comes to | | propensities. |
| Bethlehem | | term life insurance. While it may make | | |
| Alexandria | | sense for people in their 30s and 40s | | Independent Contractor: One who |
| Newport News | | to secure a 20-year term length, a | | agrees to perform according to a |
| Columbia | | 10-year term might be more | | contract and who is not an employee. |
| Coral Springs | | appropriate for someone nearing | | |
| Lake Worth | | retirement. | | Substandard Risk: A risk not |
| Gulfport | | | | measuring up to underwriting |
| Cypress | | The best time to switch policies is | | standards. It may still be written but |
| Cambridge | | within one month of receiving your | | usually at a surcharged premium. |
| Burbank | | policy renewal from your current | | |
| Westbury | | insurer. You can typically cancel your | | Premium: The price of insurance |
| Lawton | | policy without any fees or penalties if | | protection for a specified risk for a |
| Lawrenceville | | you act within this time period. | | specified period of time. |
