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| Reading | | Everyone has different needs, and | | Captive Agent: One who sells |
| Torrance | | not one size fits all when it comes to | | insurance for only one company as |
| Spartanburg | | term life insurance. While it may make | | opposed to an agent who represents |
| Indianapolis | | sense for people in their 30s and 40s | | several companies. |
| Troy | | to secure a 20-year term length, a | | |
| Yonkers | | 10-year term might be more | | Policy Anniversary: The anniversary |
| Chicago | | appropriate for someone nearing | | of the date of issue of a policy as |
| Allentown | | retirement. | | shown in the policy declarations. |