. . . . "These costs typically include: Sales force salaries and overhead, marketing and advertising, and other costs incurred prior to when a prospect agrees to purchase insurance. **+ Active policies Polices en cours P??lizas Activas Actual renewals Reconductions r??alis??es Renovaciones efectivas Actuarial Present Value (APV) Valeur actuarielle pr??sente Valor Presente Actuarial (VPA) In plain language," .