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| Springfield | | People who are trying to quit | | Claim Report: A report filed by an |
| Hot Springs | | smoking, for example, might be best | | agent setting forth the facts of a claim. |
| Richmond | | suited purchasing a shorter term (and | | Same as Loss Report. |
| Cincinnati | | then replacing it with a longer term | | |
| Canton | | policy when they qualify for | | First Party Insurance: Insurance which |
| Spartanburg | | non-tobacco prices). | | applies to coverage for the insured's |
| Lake Charles | | | | own property or person. Contrast with |
| Owensboro | | Individuals who have 30-year | | Third Party Insurance. |
| Littleton | | mortgages might want to consider a | | |
| Chattanooga | | 30-year term to ensure that the house | | Tabular Plan: A retrospective rating |
| Cleveland | | is protected throughout the period of | | plan, which uses tables to furnish the |
| Anchorage | | the loan. | | various values for the rating formula. |