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| Alameda | | We offer quotes for auto insurance, | | Captive Agent: One who sells |
| Lincoln | | life insurance, homeowners | | insurance for only one company as |
| Harrisburg | | insurance, health insurance, term life | | opposed to an agent who represents |
| Longview | | insurance and more. | | several companies. |
| Mansfield | | | | |
| Santa Monica | | Everyone has different needs, and | | Expense Allowance: A compensation |
| Warren | | not one size fits all when it comes to | | paid to an insurance agent in excess |
| Cherry Hill | | term life insurance. While it may make | | of prescribed commissions. |
| Harrisburg | | sense for people in their 30s and 40s | | |
| Columbia | | to secure a 20-year term length, a | | Brokerage Business: Business |
| Fayetteville | | 10-year term might be more | | offered to an insurer by a broker. This |
| Grand Rapids | | appropriate for someone nearing | | is sometimes called excess or |
| Orlando | | retirement. | | surplus business. |
