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| Santa Monica | | People who are trying to quit | | Liquidity: The ability of an insurer to |
| Roanoke | | smoking, for example, might be best | | convert its assets into cash to pay |
| Hattiesburg | | suited purchasing a shorter term (and | | claims if necessary. |
| Gainesville | | then replacing it with a longer term | | |
| Pompano Beach | | policy when they qualify for | | Book Value: Refers to the value of |
| Cleveland | | non-tobacco prices). | | assets as shown in the official |
| Augusta | | | | accounting records of the company. |
| Fort Worth | | Individuals who have 30-year | | |
| Fayetteville | | mortgages might want to consider a | | Paid-In Surplus: Surplus paid in by |
| Yuma | | 30-year term to ensure that the house | | stockholders, as contrasted with |
| West Palm Beach | | is protected throughout the period of | | surplus earned through the |
| Portland | | the loan. | | operations of a business. |