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| Yuma | | Everyone has different needs, and | | Short Rate Premium: The premium |
| Detroit | | not one size fits all when it comes to | | required for issuing a policy for a |
| Bloomington | | term life insurance. While it may make | | period less than its normal term. |
| Venice | | sense for people in their 30s and 40s | | |
| Decatur | | to secure a 20-year term length, a | | Mandatory Valuation Reserve: A |
| Winter Haven | | 10-year term might be more | | reserve required by a state law to |
| York | | appropriate for someone nearing | | offset any declines in the valuation of |
| Dubuque | | retirement. | | securities listed as admitted assets. |