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| Roanoke | | Life insurance, specifically Term Life, | | Claim Expense: The expense of |
| Silver Spring | | is arguably one of the best values in | | adjusting a claim, such as |
| Fayetteville | | the entire financial services arena. | | investigation and attorneys' fees. It |
| Philadelphia | | Where else can you go and get | | does not include the cost of the claim |
| Santa Rosa | | hundreds of thousands of dollars in | | itself. |
| Silver Spring | | protection for literally pennies per | | |
| Southfield | | day? Rates for Term Life insurance | | Valuation Clause: A clause stating the |
| Evansville | | remain at all-time lows, and now is the | | value of items for insurance |
| Midland | | time to lock in the best prices. | | purposes, making it a valued policy. |