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| Mobile | | People who are trying to quit | | Book Value: Refers to the value of |
| Fresno | | smoking, for example, might be best | | assets as shown in the official |
| Athens | | suited purchasing a shorter term (and | | accounting records of the company. |
| Hickory | | then replacing it with a longer term | | |
| Schaumburg | | policy when they qualify for | | Stock Option Plan: Surviving |
| Corpus Christi | | non-tobacco prices). | | stockholders have the option to |
| Overland Park | | | | purchase or not purchase the shares |
| Boulder | | Healthy people have the best | | of a deceased stockholder. |
| Jasper | | mortality risks and thus are much | | |
| Warwick | | cheaper for companies to insure. This | | Independent Contractor: One who |
| Fresno | | translates into lower rates for the | | agrees to perform according to a |
| Topeka | | Super Preferred customer than | | contract and who is not an employee. |
| Greenville | | someone with higher risk factors such | | |
| Erie | | as a heart condition, cancer or | | Premium: The price of insurance |
| Kingsport | | diabetes. Conversely, if you were | | protection for a specified risk for a |
| Bay City | | unhealthy when you acquired your | | specified period of time. |
| Jackson | | policy, and your health has now | | |
| San Antonio | | improved, it might be time to shop for | | Gross Premium: The net premium |
| Downey | | a new policy, as your rates are likely | | plus operating expenses, |
| Westbury | | to be lower. | | commissions and other expenses. |
