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| Honolulu | | People who are trying to quit | | Overlapping Insurance: Coverage |
| Conroe | | smoking, for example, might be best | | from two or more policies or insurers |
| Ogden | | suited purchasing a shorter term (and | | which duplicates coverage of certain |
| Allentown | | then replacing it with a longer term | | risks. |
| Augusta | | policy when they qualify for | | |
| West Palm Beach | | non-tobacco prices). | | Gain and Loss Exhibit: The portion of |
| Jackson | | | | the convention blank which |
| Modesto | | While some companies raise their | | represents an analysis of gains, |
| Rockville | | prices based on your actual age, | | losses, and surplus during an |
| Bloomington | | most companies increase the price of | | accounting period. |
| Newburgh | | their policies six months before your | | |
| Bloomington | | birthday. Its a term called Age | | Admitted Company: An insurance |
| Huntington Beach | | Nearest in the industry, and that | | company authorized and licensed to |
| Asheville | | half-year price increase could really | | do business in a given state. |
| Troy | | add up over a 20-year term policy. As | | |
| North Hollywood | | above, the quicker you purchase your | | Depreciation: A decrease in the value |
| Dubuque | | policy the better. | | of any type of tangible property over |
| Joliet | | | | a period of time resulting from use, |
| Honolulu | | Individuals who have 30-year | | wear and tear, or obsolescence. |
| Grand Rapids | | mortgages might want to consider a | | |
| Richmond | | 30-year term to ensure that the house | | Lapsed Policy: One which has been |
| Eugene | | is protected throughout the period of | | allowed to expire because of |
| Chicago | | the loan. | | nonpayment of premiums. |
