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| Plano | | People who are trying to quit | | Countersignature: The signature of a |
| Springfield | | smoking, for example, might be best | | licensed agent or representative on a |
| Glendale | | suited purchasing a shorter term (and | | policy. |
| Frederick | | then replacing it with a longer term | | |
| Jersey City | | policy when they qualify for | | We/Us/Our: These words are used to |
| Colorado Springs | | non-tobacco prices). | | refer to the insurer in many of the |
| Kingsport | | | | modernized/personalized policy |
| New Orleans | | If you decide to cancel your policy | | forms recently introduced. |
| Anderson | | (after acquiring new coverage) | | |
| Saginaw | | outside of the 30-day period, you may | | Stock Option Plan: Surviving |
| Pompano Beach | | have to pay a fee or penalty. | | stockholders have the option to |
| Baton Rouge | | However, you may still save money | | purchase or not purchase the shares |
| Amarillo | | after paying the fee if your new policy | | of a deceased stockholder. |
| Anaheim | | affords you significant savings. So | | |
| Cincinnati | | while it is best to wait until your | | Valuation Clause: A clause stating the |
| Muskegon | | receive your renewal notice, you CAN | | value of items for insurance |
| Yuma | | cancel your policy at any time. | | purposes, making it a valued policy. |