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| Orange | | Everyone has different needs, and | | Countersignature: The signature of a |
| Asheville | | not one size fits all when it comes to | | licensed agent or representative on a |
| Lawton | | term life insurance. While it may make | | policy. |
| Clearwater | | sense for people in their 30s and 40s | | |
| Glendale | | to secure a 20-year term length, a | | Substandard Risk: A risk not |
| Providence | | 10-year term might be more | | measuring up to underwriting |
| Norwalk | | appropriate for someone nearing | | standards. It may still be written but |
| Little Rock | | retirement. | | usually at a surcharged premium. |