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| Columbus | | While some companies raise their | | Malinger: To feign a disability for the |
| Muncie | | prices based on your actual age, | | purpose of continuing to collect |
| Sioux Falls | | most companies increase the price of | | benefits longer than actually |
| Anderson | | their policies six months before your | | necessary. |
| Johnstown | | birthday. Its a term called Age | | |
| Quincy | | Nearest in the industry, and that | | Operating Expense: The expense of |
| Flushing | | half-year price increase could really | | an insurer other than commissions |
| Belleville | | add up over a 20-year term policy. As | | and taxes. Called " and Insurance |
| Torrance | | above, the quicker you purchase your | | Expense" in the convention statement |
| Palm Harbor | | policy the better. | | blank. |