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| Corona | | Everyone has different needs, and | | Society of Insurance Research: An |
| Garland | | not one size fits all when it comes to | | organization which encourages |
| Muncie | | term life insurance. While it may make | | insurance research and promotes the |
| Chicago | | sense for people in their 30s and 40s | | exchange of ideas and methods of |
| Philadelphia | | to secure a 20-year term length, a | | research. |
| York | | 10-year term might be more | | |
| Huntsville | | appropriate for someone nearing | | Level Commission System: A system |
| El Cajon | | retirement. | | of commissions in which the first year |
| Costa Mesa | | | | and all renewal commissions are the |
| Warren | | If you decide to cancel your policy | | same percentage of the premium. |
| Glendale | | (after acquiring new coverage) | | |
| Longwood | | outside of the 30-day period, you may | | Paid-In Surplus: Surplus paid in by |
| Panama City | | have to pay a fee or penalty. | | stockholders, as contrasted with |
| Fairfax | | However, you may still save money | | surplus earned through the |
| Decatur | | after paying the fee if your new policy | | operations of a business. |
| Torrance | | affords you significant savings. So | | |
| Cambridge | | while it is best to wait until your | | Loss Frequency: The number of times |
| Santa Rosa | | receive your renewal notice, you CAN | | a loss occurs over a specific period |
| Schaumburg | | cancel your policy at any time. | | of time. |
