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| Santa Monica | | People who are trying to quit | | Notice of Cancellation: Written notice |
| Lowell | | smoking, for example, might be best | | by an insurer of intent to cancel |
| Cedar Rapids | | suited purchasing a shorter term (and | | insurance, or written notice by an |
| Ocala | | then replacing it with a longer term | | insured requesting cancellation. |
| Rockville | | policy when they qualify for | | |
| Long Island City | | non-tobacco prices). | | Agency Company: An insurance |
| Alpharetta | | | | company that produces business |
| Chandler | | Everyone has different needs, and | | through an agency network. Contrast |
| Rockford | | not one size fits all when it comes to | | with Direct Writer. |
| Decatur | | term life insurance. While it may make | | |
| Hemet | | sense for people in their 30s and 40s | | Gain and Loss Exhibit: The portion of |
| Raleigh | | to secure a 20-year term length, a | | the convention blank which |
| Warren | | 10-year term might be more | | represents an analysis of gains, |
| Pasadena | | appropriate for someone nearing | | losses, and surplus during an |
| Santa Barbara | | retirement. | | accounting period. |
