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| Cincinnati | | People who are trying to quit | | Incurred Expense: Expenses not yet |
| Boulder | | smoking, for example, might be best | | paid. Can also include paid |
| Wilmington | | suited purchasing a shorter term (and | | expenses in some accounting |
| Mobile | | then replacing it with a longer term | | systems. |
| Boynton Beach | | policy when they qualify for | | |
| Midland | | non-tobacco prices). | | Short-Term Policy: A policy written for |
| Waterloo | | | | a period of less time than is normal for |
| Oklahoma City | | Life insurance, specifically Term Life, | | that type of policy. |
| Decatur | | is arguably one of the best values in | | |
| Baton Rouge | | the entire financial services arena. | | Burning Ratio: The ratio of losses |
| Englewood | | Where else can you go and get | | suffered to the amount of insurance in |
| Edison | | hundreds of thousands of dollars in | | effect. |
| Pasadena | | protection for literally pennies per | | |
| Acworth | | day? Rates for Term Life insurance | | Not Taken: Policies applied for and |
| Trenton | | remain at all-time lows, and now is the | | issued but rejected by the proposed |
| Oxnard | | time to lock in the best prices. | | owner and not paid for. |
