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| Las Cruces | | People who are trying to quit | | Fictitious Groups: Groups formed |
| Lansing | | smoking, for example, might be best | | primarily for the purpose of buying |
| Williamsport | | suited purchasing a shorter term (and | | insurance. Under the law such groups |
| Houma | | then replacing it with a longer term | | may not be underwritten. |
| Sumter | | policy when they qualify for | | |
| Portland | | non-tobacco prices). | | Producer: A term applied to an agent, |
| Santa Rosa | | | | solicitor or other person who sells |
| Santa Monica | | Individuals who have 30-year | | insurance. |
| Vancouver | | mortgages might want to consider a | | |
| Troy | | 30-year term to ensure that the house | | Countersignature: The signature of a |
| Mesa | | is protected throughout the period of | | licensed agent or representative on a |
| Redlands | | the loan. | | policy. |
