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| Atlanta | | Everyone has different needs, and | | Divided Cover: The placing of |
| Greensboro | | not one size fits all when it comes to | | insurance on a given subject or |
| Overland Park | | term life insurance. While it may make | | object with more than one insurer. |
| Fayetteville | | sense for people in their 30s and 40s | | |
| Longmont | | to secure a 20-year term length, a | | Exclusions: Specific situations, |
| Grand Rapids | | 10-year term might be more | | conditions, or circumstances that are |
| Memphis | | appropriate for someone nearing | | listed in the contract as being not |
| Lafayette | | retirement. | | covered. |