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| Union | | Everyone has different needs, and | | Mandatory Valuation Reserve: A |
| Elkhart | | not one size fits all when it comes to | | reserve required by a state law to |
| Warwick | | term life insurance. While it may make | | offset any declines in the valuation of |
| Bellevue | | sense for people in their 30s and 40s | | securities listed as admitted assets. |
| Westbury | | to secure a 20-year term length, a | | |
| Anderson | | 10-year term might be more | | Policywriting Agent: An agent who has |
| Newark | | appropriate for someone nearing | | the authority to prepare and effect an |
| Vineland | | retirement. | | insurer's policy. |