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| Palm Desert | | Everyone has different needs, and | | Net Retention: The amount of |
| Huntington | | not one size fits all when it comes to | | insurance that a ceding company |
| Indianapolis | | term life insurance. While it may make | | keeps for its own account and does |
| Decatur | | sense for people in their 30s and 40s | | not reinsure. |
| Wilmington | | to secure a 20-year term length, a | | |
| Waco | | 10-year term might be more | | Broker of Record: A broker who has |
| Wilmington | | appropriate for someone nearing | | been designated to handle certain |
| Dallas | | retirement. | | insurance contracts for the |
| Johnson City | | | | policyholder. |
| San Antonio | | We offer quotes for auto insurance, | | |
| Chula Vista | | life insurance, homeowners | | Stock Option Plan: Surviving |
| Erie | | insurance, health insurance, term life | | stockholders have the option to |
| Mesa | | insurance and more. | | purchase or not purchase the shares |
| Allentown | | | | of a deceased stockholder. |
| Greensboro | | While some companies raise their | | |
| Columbus | | prices based on your actual age, | | Malicious Mischief: Similar to |
| Clearwater | | most companies increase the price of | | vandalism. Purposely damaging the |
| Salem | | their policies six months before your | | rights or property of another. |
| Hot Springs | | birthday. Its a term called Age | | |
| Wilmington | | Nearest in the industry, and that | | Insurance Examiner: The |
| Oklahoma City | | half-year price increase could really | | representative of a state insurance |
| Yonkers | | add up over a 20-year term policy. As | | department assigned to participate in |
| Hollywood | | above, the quicker you purchase your | | the official audit and examination of |
| Jacksonville | | policy the better. | | an insurer. |
