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| Hickory | | Everyone has different needs, and | | Short Rate Premium: The premium |
| Richmond | | not one size fits all when it comes to | | required for issuing a policy for a |
| Irving | | term life insurance. While it may make | | period less than its normal term. |
| Springfield | | sense for people in their 30s and 40s | | |
| Lake Charles | | to secure a 20-year term length, a | | Cut Rate: This term generally applies |
| Portland | | 10-year term might be more | | to insurance companies who charge |
| El Cajon | | appropriate for someone nearing | | premiums below a normal or average |
| Santa Rosa | | retirement. | | rate. |