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| Springfield | | Everyone has different needs, and | | Loss Frequency: The number of times |
| Hampton | | not one size fits all when it comes to | | a loss occurs over a specific period |
| Anaheim | | term life insurance. While it may make | | of time. |
| Montgomery | | sense for people in their 30s and 40s | | |
| Elkhart | | to secure a 20-year term length, a | | Paid-In Surplus: Surplus paid in by |
| Jackson | | 10-year term might be more | | stockholders, as contrasted with |
| Cypress | | appropriate for someone nearing | | surplus earned through the |
| Lubbock | | retirement. | | operations of a business. |
