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| Chula Vista | | Individuals who have 30-year | | Agency Contract (or Agreement): The |
| Cedar Rapids | | mortgages might want to consider a | | document which establishes the legal |
| Fall River | | 30-year term to ensure that the house | | relationship between an agent and an |
| Newport Beach | | is protected throughout the period of | | insurer. |
| Myrtle Beach | | the loan. | | |
| Longview | | | | Sole Proprietorship: A business |
| Savannah | | People who are trying to quit | | enterprise owned by one person who |
| San Jose | | smoking, for example, might be best | | is its manager and employee. |
| Malden | | suited purchasing a shorter term (and | | |
| Evansville | | then replacing it with a longer term | | Capital Sum: The maximum lump sum |
| Allentown | | policy when they qualify for | | payable in the event of accidental |
| Brooklyn | | non-tobacco prices). | | death or dismemberment. |