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| San Francisco | | Everyone has different needs, and | | Agency Contract (or Agreement): The |
| Bloomington | | not one size fits all when it comes to | | document which establishes the legal |
| Salem | | term life insurance. While it may make | | relationship between an agent and an |
| Tucson | | sense for people in their 30s and 40s | | insurer. |
| Jackson | | to secure a 20-year term length, a | | |
| Akron | | 10-year term might be more | | Agent's License: A certificate of |
| Erie | | appropriate for someone nearing | | authority from the state which permits |
| Winter Park | | retirement. | | the agent to conduct business. |