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| Slidell | | Everyone has different needs, and | | Operating Expense: The expense of |
| Corona | | not one size fits all when it comes to | | an insurer other than commissions |
| Honolulu | | term life insurance. While it may make | | and taxes. Called " and Insurance |
| Delray Beach | | sense for people in their 30s and 40s | | Expense" in the convention statement |
| Albany | | to secure a 20-year term length, a | | blank. |
| Los Angeles | | 10-year term might be more | | |
| Tacoma | | appropriate for someone nearing | | Professional Insurance Agents |
| Gainesville | | retirement. | | Association: A trade association of |
| Lima | | | | mutual insurance agents. |
| Jackson | | Individuals who have 30-year | | |
| Cambridge | | mortgages might want to consider a | | Cut Rate: This term generally applies |
| Poughkeepsie | | 30-year term to ensure that the house | | to insurance companies who charge |
| Schenectady | | is protected throughout the period of | | premiums below a normal or average |
| Scranton | | the loan. | | rate. |