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| Gaithersburg | | People who are trying to quit | | Loss Frequency: The number of times |
| Wilmington | | smoking, for example, might be best | | a loss occurs over a specific period |
| Gaithersburg | | suited purchasing a shorter term (and | | of time. |
| Lancaster | | then replacing it with a longer term | | |
| Santa Rosa | | policy when they qualify for | | Deficit Carried Forward: The transfer |
| Hattiesburg | | non-tobacco prices). | | of a debit balance from one |
| Albuquerque | | | | accounting period to another. |
| Coral Springs | | Life insurance, specifically Term Life, | | |
| Honolulu | | is arguably one of the best values in | | Insurance Policy: The printed form |
| Cypress | | the entire financial services arena. | | which serves as the contract between |
| Inglewood | | Where else can you go and get | | an insurer and an insured. |
| Reno | | hundreds of thousands of dollars in | | |
| Alpharetta | | protection for literally pennies per | | Losses Incurred: The total losses, |
| Akron | | day? Rates for Term Life insurance | | whether paid or not, sustained by an |
| Muskegon | | remain at all-time lows, and now is the | | insurer during a given period, e.g., 12 |
| Florissant | | time to lock in the best prices. | | months. |