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| Edison | | If you decide to cancel your policy | | Earned Income: The money |
| Bay City | | (after acquiring new coverage) | | individuals earn as a result of working |
| Bakersfield | | outside of the 30-day period, you may | | at some job or occupation for which |
| Ventura | | have to pay a fee or penalty. | | they are paid a salary. |
| Santa Barbara | | However, you may still save money | | |
| Pasadena | | after paying the fee if your new policy | | Convention Values: Values assigned |
| Norwalk | | affords you significant savings. So | | to insurers' assets in the convention |
| Sumter | | while it is best to wait until your | | blank. |
| Tempe | | receive your renewal notice, you CAN | | |
| Winter Haven | | cancel your policy at any time. | | Paid-In Surplus: Surplus paid in by |
| Albuquerque | | | | stockholders, as contrasted with |
| Atlanta | | Individuals who have 30-year | | surplus earned through the |
| San Jose | | mortgages might want to consider a | | operations of a business. |
| Pueblo | | 30-year term to ensure that the house | | |
| Delray Beach | | is protected throughout the period of | | Gain and Loss Exhibit: The portion of |
| Omaha | | the loan. | | the convention blank which |
| Huntsville | | | | represents an analysis of gains, |
| Santa Clara | | People who are trying to quit | | losses, and surplus during an |
| Sioux Falls | | smoking, for example, might be best | | accounting period. |
| Costa Mesa | | suited purchasing a shorter term (and | | |
| Ogden | | then replacing it with a longer term | | Examiner: An employee assigned by |
| Ann Arbor | | policy when they qualify for | | the state insurance department to |
| Florissant | | non-tobacco prices). | | audit insurers' records. |
