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| Flint | | Life insurance, specifically Term Life, | | Net Retention: The amount of |
| New York | | is arguably one of the best values in | | insurance that a ceding company |
| Thousand Oaks | | the entire financial services arena. | | keeps for its own account and does |
| Topeka | | Where else can you go and get | | not reinsure. |
| Augusta | | hundreds of thousands of dollars in | | |
| Mesquite | | protection for literally pennies per | | Broker-Agent: One acting as an agent |
| Kalamazoo | | day? Rates for Term Life insurance | | of one or more insurers and as a |
| Cranston | | remain at all-time lows, and now is the | | broker in dealing with one or more |
| Modesto | | time to lock in the best prices. | | other insurers. |