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| Las Cruces | | Everyone has different needs, and | | Brokerage Department: A department |
| Irving | | not one size fits all when it comes to | | of an insurer whose purpose is to |
| Springfield | | term life insurance. While it may make | | deal with brokers in the placing of |
| Livonia | | sense for people in their 30s and 40s | | insurance. |
| Omaha | | to secure a 20-year term length, a | | |
| Beaumont | | 10-year term might be more | | Commission of Authority: A document |
| Saginaw | | appropriate for someone nearing | | outlining the powers delegated to an |
| Spokane | | retirement. | | agent by an insurer. |