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| Boulder | | Life insurance, specifically Term Life, | | Tabular Plan: A retrospective rating |
| Winter Haven | | is arguably one of the best values in | | plan, which uses tables to furnish the |
| Houston | | the entire financial services arena. | | various values for the rating formula. |
| Englewood | | Where else can you go and get | | |
| Columbia | | hundreds of thousands of dollars in | | Operating Expense: The expense of |
| Fullerton | | protection for literally pennies per | | an insurer other than commissions |
| Lafayette | | day? Rates for Term Life insurance | | and taxes. Called " and Insurance |
| Santa Clara | | remain at all-time lows, and now is the | | Expense" in the convention statement |
| Anderson | | time to lock in the best prices. | | blank. |