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| Oakland | | People who are trying to quit | | Examiner: An employee assigned by |
| Schaumburg | | smoking, for example, might be best | | the state insurance department to |
| Winter Haven | | suited purchasing a shorter term (and | | audit insurers' records. |
| Clearwater | | then replacing it with a longer term | | |
| Macon | | policy when they qualify for | | Agent's Balance: A periodic |
| El Paso | | non-tobacco prices). | | statement of the sums due and owed |
| North Hollywood | | | | to an agent under the agent's contract |
| Wichita | | While some companies raise their | | with an insurer. |
| Lansing | | prices based on your actual age, | | |
| Columbus | | most companies increase the price of | | Authorized Insurer: An insurer |
| Fayetteville | | their policies six months before your | | authorized by the state to transact |
| Irvine | | birthday. Its a term called Age | | business in that state for specific |
| Garland | | Nearest in the industry, and that | | types of insurance. |
| Honolulu | | half-year price increase could really | | |
| Costa Mesa | | add up over a 20-year term policy. As | | Lapsed Policy: One which has been |
| Milwaukee | | above, the quicker you purchase your | | allowed to expire because of |
| Cranston | | policy the better. | | nonpayment of premiums. |
