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| Sunnyvale | | People who are trying to quit | | Endorsement: A written or printed form |
| Johnson City | | smoking, for example, might be best | | attached to the policy which alters |
| Minneapolis | | suited purchasing a shorter term (and | | provisions of the contract. |
| Gainesville | | then replacing it with a longer term | | |
| Melbourne | | policy when they qualify for | | Retail Credit Company: The former |
| Oklahoma City | | non-tobacco prices). | | name of Equifax, a credit reporting |
| St. Louis | | | | organization. See Equifax. |
| Gainesville | | Individuals who have 30-year | | |
| Santa Barbara | | mortgages might want to consider a | | Fictitious Groups: Groups formed |
| Evansville | | 30-year term to ensure that the house | | primarily for the purpose of buying |
| Amarillo | | is protected throughout the period of | | insurance. Under the law such groups |
| Zanesville | | the loan. | | may not be underwritten. |
