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| Redlands | | Life insurance, specifically Term Life, | | Losses Incurred: The total losses, |
| Scranton | | is arguably one of the best values in | | whether paid or not, sustained by an |
| San Antonio | | the entire financial services arena. | | insurer during a given period, e.g., 12 |
| Decatur | | Where else can you go and get | | months. |
| Marietta | | hundreds of thousands of dollars in | | |
| Kansas City | | protection for literally pennies per | | Depreciation: A decrease in the value |
| Mesa | | day? Rates for Term Life insurance | | of any type of tangible property over |
| San Francisco | | remain at all-time lows, and now is the | | a period of time resulting from use, |
| Alexandria | | time to lock in the best prices. | | wear and tear, or obsolescence. |