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| Scottsdale | | Everyone has different needs, and | | Substandard Risk: A risk not |
| Fort Wayne | | not one size fits all when it comes to | | measuring up to underwriting |
| Kingsport | | term life insurance. While it may make | | standards. It may still be written but |
| Newport News | | sense for people in their 30s and 40s | | usually at a surcharged premium. |
| Reno | | to secure a 20-year term length, a | | |
| Ocala | | 10-year term might be more | | Countersignature: The signature of a |
| Waterloo | | appropriate for someone nearing | | licensed agent or representative on a |
| Scranton | | retirement. | | policy. |