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| Williamsburg | | People who are trying to quit | | Submitted Business: Applications for |
| Modesto | | smoking, for example, might be best | | insurance submitted to an insurer but |
| Lansing | | suited purchasing a shorter term (and | | not yet acted upon by it. |
| Tyler | | then replacing it with a longer term | | |
| Miami | | policy when they qualify for | | Losses Incurred: The total losses, |
| Springfield | | non-tobacco prices). | | whether paid or not, sustained by an |
| Southfield | | | | insurer during a given period, e.g., 12 |
| Bronx | | Shopping around is the best way to | | months. |
| Pembroke Pines | | save money on your insurance. | | |
| Boynton Beach | | | | Cash Flow Underwriting: The use of |
| White Plains | | Everyone has different needs, and | | rating and premium collection |
| Newark | | not one size fits all when it comes to | | techniques by insurance companies |
| Hendersonville | | term life insurance. While it may make | | to maximize interest earnings on |
| Racine | | sense for people in their 30s and 40s | | premiums. |
| San Bernardino | | to secure a 20-year term length, a | | |
| Joliet | | 10-year term might be more | | Policy Anniversary: The anniversary |
| Kalamazoo | | appropriate for someone nearing | | of the date of issue of a policy as |
| Lima | | retirement. | | shown in the policy declarations. |
