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| Independence | | Individuals who have 30-year | | Examiner: An employee assigned by |
| Morristown | | mortgages might want to consider a | | the state insurance department to |
| Rochester | | 30-year term to ensure that the house | | audit insurers' records. |
| Long Beach | | is protected throughout the period of | | |
| Carlsbad | | the loan. | | First Party Insurance: Insurance which |
| Charlotte | | | | applies to coverage for the insured's |
| Fort Collins | | People who are trying to quit | | own property or person. Contrast with |
| Delray Beach | | smoking, for example, might be best | | Third Party Insurance. |
| Stockbridge | | suited purchasing a shorter term (and | | |
| Fort Wayne | | then replacing it with a longer term | | Short Rate Premium: The premium |
| Kansas City | | policy when they qualify for | | required for issuing a policy for a |
| Fall River | | non-tobacco prices). | | period less than its normal term. |
