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| Southfield | | Everyone has different needs, and | | Buy-Back" Deductible: A deductible |
| Biloxi | | not one size fits all when it comes to | | which may be eliminated for an |
| Anaheim | | term life insurance. While it may make | | additional premium in order to |
| Malden | | sense for people in their 30s and 40s | | provide "first-dollar" coverage. |
| Tucson | | to secure a 20-year term length, a | | |
| New Port Richey | | 10-year term might be more | | Open Rating: A system whereby a |
| New York | | appropriate for someone nearing | | state allows an insurer to use rates |
| Rome | | retirement. | | without prior approval. |