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| Madison | | Everyone has different needs, and | | Collusion: An agreement, usually |
| Chicago | | not one size fits all when it comes to | | secret, between two or more persons |
| Wilmington | | term life insurance. While it may make | | to defraud or deprive another or |
| Racine | | sense for people in their 30s and 40s | | others of their property or rights. |
| Pittsburgh | | to secure a 20-year term length, a | | |
| Charleston | | 10-year term might be more | | Valuation Clause: A clause stating the |
| Beaumont | | appropriate for someone nearing | | value of items for insurance |
| Pueblo | | retirement. | | purposes, making it a valued policy. |