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| Long Island City | | People who are trying to quit | | Substandard Risk: A risk not |
| Cincinnati | | smoking, for example, might be best | | measuring up to underwriting |
| Greensboro | | suited purchasing a shorter term (and | | standards. It may still be written but |
| Toledo | | then replacing it with a longer term | | usually at a surcharged premium. |
| Kalamazoo | | policy when they qualify for | | |
| Decatur | | non-tobacco prices). | | Insurance Examiner: The |
| Hampton | | | | representative of a state insurance |
| Charlotte | | Everyone has different needs, and | | department assigned to participate in |
| Naples | | not one size fits all when it comes to | | the official audit and examination of |
| Montgomery | | term life insurance. While it may make | | an insurer. |
| Newport News | | sense for people in their 30s and 40s | | |
| Tyler | | to secure a 20-year term length, a | | Tickler: A reminder system used to |
| Oceanside | | 10-year term might be more | | call an individual's attention to actions |
| Dayton | | appropriate for someone nearing | | that must be taken at a future point in |
| Johnstown | | retirement. | | time. |
