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| Coral Springs | | Everyone has different needs, and | | Liquidity: The ability of an insurer to |
| Bellevue | | not one size fits all when it comes to | | convert its assets into cash to pay |
| Charlotte | | term life insurance. While it may make | | claims if necessary. |
| Racine | | sense for people in their 30s and 40s | | |
| Hendersonville | | to secure a 20-year term length, a | | Level Commission System: A system |
| Thousand Oaks | | 10-year term might be more | | of commissions in which the first year |
| Louisville | | appropriate for someone nearing | | and all renewal commissions are the |
| San Bernardino | | retirement. | | same percentage of the premium. |