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| Irvine | | People who are trying to quit | | Lapsed Policy: One which has been |
| St. Louis | | smoking, for example, might be best | | allowed to expire because of |
| Schaumburg | | suited purchasing a shorter term (and | | nonpayment of premiums. |
| Coral Springs | | then replacing it with a longer term | | |
| Edmond | | policy when they qualify for | | Mutualization: The process of |
| Morristown | | non-tobacco prices). | | converting a stock insurer to a mutual |
| Las Vegas | | | | insurer, accomplished by having the |
| Virginia Beach | | Individuals who have 30-year | | insurer buy stock and retire it. |
| Columbus | | mortgages might want to consider a | | |
| Littleton | | 30-year term to ensure that the house | | Will Ride: Coverage that remains in |
| Ventura | | is protected throughout the period of | | effect regardless of the geographical |
| Flint | | the loan. | | location in which a loss occurs. |