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| Rochester | | Everyone has different needs, and | | Commission of Authority: A document |
| Kansas City | | not one size fits all when it comes to | | outlining the powers delegated to an |
| Albany | | term life insurance. While it may make | | agent by an insurer. |
| Littleton | | sense for people in their 30s and 40s | | |
| Oxnard | | to secure a 20-year term length, a | | Policy Period (or Term): The period |
| Independence | | 10-year term might be more | | during which the policy contract |
| Torrance | | appropriate for someone nearing | | affords protection, e.g., six months or |
| Erie | | retirement. | | one or three years. |