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| Johnson City | | Everyone has different needs, and | | Tickler: A reminder system used to |
| Columbia | | not one size fits all when it comes to | | call an individual's attention to actions |
| Springfield | | term life insurance. While it may make | | that must be taken at a future point in |
| Decatur | | sense for people in their 30s and 40s | | time. |
| Clearwater | | to secure a 20-year term length, a | | |
| Sterling Heights | | 10-year term might be more | | Brokerage Business: Business |
| Spokane | | appropriate for someone nearing | | offered to an insurer by a broker. This |
| Bloomington | | retirement. | | is sometimes called excess or |
| Costa Mesa | | | | surplus business. |
| Dubuque | | While some companies raise their | | |
| Portsmouth | | prices based on your actual age, | | Brick Veneer Construction: Refers to |
| New Orleans | | most companies increase the price of | | a building where the outside walls are |
| Rockford | | their policies six months before your | | constructed of wood with a facing of a |
| Fayetteville | | birthday. Its a term called Age | | single layer of brick. |
| Honolulu | | Nearest in the industry, and that | | |
| Columbus | | half-year price increase could really | | FICA. Federal Insurance Contributions |
| Malden | | add up over a 20-year term policy. As | | Act: A law imposing a payroll tax to |
| Fort Smith | | above, the quicker you purchase your | | assist in funding Social Security |
| Fort Myers | | policy the better. | | benefits. |