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| Huntington | | People who are trying to quit | | Time Limits: The limits of time within |
| Newport Beach | | smoking, for example, might be best | | which notice of a claim and proof of a |
| Monroe | | suited purchasing a shorter term (and | | loss must be submitted. |
| Glendale | | then replacing it with a longer term | | |
| Allentown | | policy when they qualify for | | Claim: A demand made by the |
| Beaumont | | non-tobacco prices). | | insured, or the insured's beneficiary, |
| Lubbock | | | | for payment of the benefits provided |
| Evansville | | Individuals who have 30-year | | by the contract. |
| Jonesboro | | mortgages might want to consider a | | |
| Springfield | | 30-year term to ensure that the house | | Loss Frequency: The number of times |
| Fayetteville | | is protected throughout the period of | | a loss occurs over a specific period |
| Berkeley | | the loan. | | of time. |