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| Biloxi | | Everyone has different needs, and | | Capital Sum: The maximum lump sum |
| St. Joseph | | not one size fits all when it comes to | | payable in the event of accidental |
| Sarasota | | term life insurance. While it may make | | death or dismemberment. |
| St. Joseph | | sense for people in their 30s and 40s | | |
| Springfield | | to secure a 20-year term length, a | | Level Commission System: A system |
| Knoxville | | 10-year term might be more | | of commissions in which the first year |
| Springfield | | appropriate for someone nearing | | and all renewal commissions are the |
| Shreveport | | retirement. | | same percentage of the premium. |