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| Santa Monica | | Everyone has different needs, and | | Cash Flow Underwriting: The use of |
| Gainesville | | not one size fits all when it comes to | | rating and premium collection |
| Englewood | | term life insurance. While it may make | | techniques by insurance companies |
| Morristown | | sense for people in their 30s and 40s | | to maximize interest earnings on |
| High Point | | to secure a 20-year term length, a | | premiums. |
| Corpus Christi | | 10-year term might be more | | |
| Hollywood | | appropriate for someone nearing | | Admitted (or Allowed) Assets: Assets |
| Cookeville | | retirement. | | whose values are permitted by state |
| Fort Myers | | | | law to be included in the annual |
| Waco | | People who are trying to quit | | statement of the insurer. |
| Newark | | smoking, for example, might be best | | |
| Seattle | | suited purchasing a shorter term (and | | Liabilities: Money owed or expected |
| Jackson | | then replacing it with a longer term | | to be owed. Insurance company |
| St. Joseph | | policy when they qualify for | | financial statements, for instance, |
| Long Beach | | non-tobacco prices). | | show assets and liabilities. |