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| Minneapolis | | Individuals who have 30-year | | Cut Rate: This term generally applies |
| Melbourne | | mortgages might want to consider a | | to insurance companies who charge |
| Fort Lauderdale | | 30-year term to ensure that the house | | premiums below a normal or average |
| Arlington | | is protected throughout the period of | | rate. |
| Youngstown | | the loan. | | |
| Boston | | | | Brokerage Department: A department |
| Englewood | | Everyone has different needs, and | | of an insurer whose purpose is to |
| Belleville | | not one size fits all when it comes to | | deal with brokers in the placing of |
| Denver | | term life insurance. While it may make | | insurance. |
| Fort Myers | | sense for people in their 30s and 40s | | |
| Florence | | to secure a 20-year term length, a | | Basic Rate: The manual rate from |
| Nashua | | 10-year term might be more | | which discounts are taken or to which |
| Dothan | | appropriate for someone nearing | | charges are added to reflect the |
| St. Louis | | retirement. | | individual circumstances of a risk. |
