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| Mobile | | While some companies raise their | | Level Commission System: A system |
| Columbus | | prices based on your actual age, | | of commissions in which the first year |
| Athens | | most companies increase the price of | | and all renewal commissions are the |
| Toms River | | their policies six months before your | | same percentage of the premium. |
| Boynton Beach | | birthday. Its a term called Age | | |
| Eugene | | Nearest in the industry, and that | | Operating Expense: The expense of |
| Kingsport | | half-year price increase could really | | an insurer other than commissions |
| Waco | | add up over a 20-year term policy. As | | and taxes. Called " and Insurance |
| Naples | | above, the quicker you purchase your | | Expense" in the convention statement |
| Jackson | | policy the better. | | blank. |