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| Harlingen | | People who are trying to quit | | Cut Rate: This term generally applies |
| San Jose | | smoking, for example, might be best | | to insurance companies who charge |
| Gainesville | | suited purchasing a shorter term (and | | premiums below a normal or average |
| Independence | | then replacing it with a longer term | | rate. |
| Baton Rouge | | policy when they qualify for | | |
| Lawrenceville | | non-tobacco prices). | | Fictitious Groups: Groups formed |
| Naples | | | | primarily for the purpose of buying |
| Huntington | | Make sure you have a new policy in | | insurance. Under the law such groups |
| Columbus | | place before you cancel your old one | | may not be underwritten. |
| Fayetteville | | to avoid a lapse in coverage. This will | | |
| Killeen | | also prevent having to figure out the | | Short-Term Policy: A policy written for |
| Detroit | | amount of any unused premium that is | | a period of less time than is normal for |
| Omaha | | due to you from your old insurance | | that type of policy. |
| Pompano Beach | | company, or having to spar with your | | |
| Acworth | | agent about exactly when your policy | | Leasehold: An agreement which |
| Syracuse | | was cancelled and how much they | | gives a person the right to use and |
| Odessa | | owe you. | | occupy property. |