And repeatedly, insurers have found a way to deal with the highly specialized insurance demands of advancing technologythe airplane, nuclear energy, offshore oil rigs, spacecraft. Put simply, insurance is a contract, represented by a policy, in which a policyholder receives financial protection or reimbursement against losses from an insurance company. The underwriting function is designed to be sure that premiums are based on. a. participating policy This group of underwriters, who gathered initially at a London coffee house owned by one Edward Lloyd, formed themselves into the association which came to be known, after the coffee house, as Lloyds of London. A successful subrogation means a refund for you and your insurer. However, some life insurance policies are considered securities, which means the contracts must be registered with the Securities and Exchange Commission (SEC) and sales are regulated by FINRA. A policyholder 's health insurance claim can get settled by an insurer in two ways: third-party administrators ( TPA ) and through the insurer's in-house claims processing department. technological improvements a. human life value (Points : 2), Based on the cell diagram on the right, which structure is found in both animal and plant cells and is responsible for creating energy/ATP? Life Insurance: What It Is, How It Works, and How To Buy a Policy, Fire Insurance: Definition, Elements, How It Works, and Example, Auto Insurance: Definition, How It Works, Coverage Types & Costs, Coinsurance: Definition, How It Works, and Example, Whole Life Insurance Definition: How It Works, With Examples, Personal Injury Protection: What it is, How it Works. Note that the probability that xxx assumes a value within the interval 2\mu \pm 2 \sigma2 is equal to 1. Life insurance products are often a part of an overall financial plan. The basic purpose of insurance is to provide protection If two people are invited to invest and become partners in a business, the business owners will then___ the risk Share Under which circumstance would someone need disability insurance? Write out the equation for the target volume (in units) profit equation if the income tax rate is t. Which of the following is the best term or phrase for a characteristic pattern of behavior or a disposition to feel and act? \textbf{Long-Term Investing Activities}\\ What percentage of your income should you spend on life insurance? e. expense levels. ________ is a factor in rising health care costs. Many types of life insurance are available. \text{Accounts payable} &\$ 524,160 &\$ 145,600\\ &2016 &2015\\ Policies with very high deductibles are typically less expensive because the high out-of-pocket expense generally results in fewer small claims. The basic purpose of life insurance is to provide financial coverage to your loved ones in case you die. What is said to be the first auto liability policy writtenactually a policy for horse-drawn carriages made applicable to an automobilewas issued in 1887 to one Gilbert Loomis of Westfield, Connecticut. \hline It is useful protection for those traveling domestically or abroad. When an insurance company needs to provide a payout, the money is removed from: Maria's family has a health insurance plan. e. An arbitration clause. \text{Total current assets}& \$1,926,802& \$1,124,000\\ Claims based on intentional. \text { Dividends } & 3,000 & 2,000 \\ c. changed to health or disability protection \text{Total liabilities and equity} &\$2,866,592 &\$1,468,800\\ The property damage is caused by a natural disaster, such as a flood. Journalize the write-offs and the year-end adjusting entry for 201020102010 under the allowance method, assuming that the allowance account had a beginning balance of $22,500\$22,500$22,500 on January 111, 201020102010, and the company uses the analysis of receivables method. d. change financial risks and reduce losses. All three survived Marilyn. It increases consumers' insurance premiums. e. needs analysis. With most insurers, paying life insurance premiums on a(n) ____ basis will allow you to avoid a fee. Answer: Its aim is to reduce financial uncertainty and make accidental loss manageable. A marine policy adapted to accommodate him probably was the first policy issued to insure an automobile as property. b. assume risk. Actuarial data is used to measure: \text{Net fixed assets} &\$ 939,790 &\$ 344,800\\ His plan is a ____ life policy. The basic assumptions that the company uses to compute its insurance illustrations include all except \textbf{Aging Class (Number} & \textbf{Receivables Balance} & \textbf{ Estimated Percent of}\\ What Is Insurance?, Insurance Information Institute. Can unmarried couples be on the same car insurance? Life insurance is a contract in which an insurer, in exchange for a premium, guarantees payment to an insureds beneficiaries when the insured dies. It provides financial security, helps to pay off debts, helps to pay living expenses, and helps to pay any medical or final expenses. b. is a form of endowment insurance. liability Protection. The company doubled its plant capacity, opened new sales offices outside its home territory, and launched an expensive advertising campaign. b. interest only. c. earning potential of surviving spouse. Want to read all 26 pages. \text{Cash dividends}& & & (11,000)\\ They come in various forms, including term life, whole life and universal life policies. The most common types of personal insurance policies are auto, health, homeowners, and life. \text { Income from operations } & 25,000 & 16,000 \\ b. actuarial science. They would state the portion of the financial risk assumed. The basic purpose of all types of insurance is. Here are five reasons why life insurance is important. A participating policy The insured party must file a claim. PercentcollectedinthemonthofsalePercentcollectedinthemonthafterthesalePercentcollectedinthesecondmonthafterthesale25685. Bennett's anticipated sales for the next few months are as follows: April$250,000May290,000June280,000July295,000August300,000\begin{array}{lr} \text { Percent collected in the month of sale } &25 \\ c. Introversion. e. separate identification of death protection and savings portions, Henry must make set premium payments on his insurance policy until he dies, and if he cancels the policy he will receive the cash value. Key features to consider include the length of coverage, whether you pay fixed or variable premiums, how benefits are determined and costs of coverage. b. living benefits For the most recent year presented in your proxy, what was the total annual compensation received by the chairman and CEO of the company. 65 days \text{Additions to property, plant, and equipment}& (\$ 711,950)\\ The primary function of insurance is to maintain your existing level of wealth by protecting you against potential financial losses or liability as a result of unexpected events. Increasing the deductible is likely to lower the premium on a comprehensive major medical policy. The basic purpose of insurance is to __________. By the dictionary definition, insurance is the arrangement you make with a company or a state. A renewable clause In the New World, the first fire insurance firm was formed in 1735 but lasted a scant five years. \text{Total equity} &\$ 492,592 &\$ 663,768\\ 1. loans. There would so much uncertainty, so much exposure to sudden, unexpected possibly catastrophic loss, that it would be difficult for anyone to plan with confidence for the future. b. whole life \text{Notes payable}& 636,808 &200,000\\ liquidity to expand business operations. The company pools clients risks to make payments more affordable for the insured. The basic purpose of insurance is to provide protection. But what if there was a way to enjoy living benefits of life insurance during your lifetime? All three costs have been scaled so that a comparison can be made between them. Katrina vila Munichiello is an experienced editor, writer, fact-checker, and proofreader with more than fourteen years of experience working with print and online publications. Assume that you are Jamison's assistant. Which is always a cost when buying insurance? Course Hero is not sponsored or endorsed by any college or university. Its also known as no-fault insurance.. a. mortgage insurance. A grace period permits the policyholder to retain full protection for usually _____ after missing a payment. \text{Eva Fry} & \$\hspace{5pt}6,500\\ The larger the number of premium payers, the more accurately insurers are able to estimate probable losses thus calculate the amount of premium to be collected from each. Today, home owners, car owners, businesses and institutions have available to them a wide range of insurance products, many of which have become a necessity for the functioning of a free-enterprise economy. It Can Help to Financially Protect Your Family. \text{Balances, December 31}, 2016& 100,000& \$460,000 &\$ 32,592& \$ 492,592\\ In the homeowner example, if the owner bought two $250,000 policies on his home from different companies, and a fire occurred that was covered under both policies, the owner files a claim with one company. d. paid-up insurance option There are many types of insurance policies. REAL PROPERTY and 2. A life insurance policy guarantees that the insurer pays a sum of money to named beneficiaries when the insured dies in exchange for the premiums paid by the policyholder during their lifetime. A multitude of different types of insurance policies is available, and virtually any individual or business can find an insurance company willing to insure themfor a price. True insurance company or the insurer, agrees to compensate the loss or damage sustained to another party, i.e. d. risk retention. The following information was taken from Logsden Manufacturings trial balances as of Homeowners insurance (also known as home insurance) protects your home and possessions against damage or theft. An entrepreneur keeps backup funds in a savings account so that if their business experiences a loss, they will be able to recuperate. \end{array}} b. semiannual d. premium refunds. c. Adverse selection a. term. True Risks come in two basic forms, pure risk and speculative risk. \text{Total} & \underline{ \underline{ \$25,000}} Thus, business enterprises obtain a double benefit from insurancethey are enabled to operate by transferring potentially crippling risk, and they also may obtain capital funds from insurers through the sale of stocks and bonds, for example, in which insurers invest funds. A. a. term b. the value of the loss. The insurance policy must be in place. In simpler words, one can answer what is an insurance policy as a form of protection from any unexpected loss or damage. True False The right to insure arising out of a financial relationship, between the insured to the insured and legally recognized. Insurance is a tool that can lessen ____ risk. protection. This site is using cookies under cookie policy . e. Shifts in the macro-social structure of the population. c. single premium Definition: Insurance refers to a contractual arrangement in which one party, i.e. Health insurance costs have been increasing at a rate greater than the CPI. You pay a monthly or yearly fee to the insurance company to insure your life, health, vehicle, property, etc for a certain period. It is in this way that the primary function of the insurance is to protect against future hazards, accidents and vulnerabilities. c. whole life insurance. You can specify conditions of storing and accessing cookies in your browser. Rodney and Toni are a young couple with two small children. c. the insured's estate Who processes the claims in insurance? The Third-Party Administrator Desk or TPA desk is a support system that most hospitals have. AssetsCashAccountsreceivableInventoriesTotalcurrentassetsGrossfixedassetsLessaccumulateddepreciationNetfixedassetsTotalassetsLiabilitiesandEquityAccountspayableAccrualsNotespayableTotalcurrentliabilitiesLong-termdebtCommonstock(100,000shares)RetainedearningsTotalequityTotalliabilitiesandequity2016$7,282632,1601,287,360$1,926,8021,202,950263,160$939,790$2,866,592$524,160489,600636,808$1,650,568723,432460,00032,592$492,592$2,866,5922015$57,600351,200715,200$1,124,000491,000146,200$344,800$1,468,800$145,600136,000200,000$481,600323,432460,000203,768$663,768$1,468,800. An auto dealer is not subject to this type of risk but does require coverage for damage or injury that could occur during test drives. \text{Increase in accounts receivable}& (280,960)\\ Can someone be denied homeowners insurance? a. multiple indemnity clause a. Travel insurance is a type ofinsurance thatcovers the costs and losses associated with traveling. \text { Sales returns } & 12,000 & 10,000 \\ Thus, misfortunes that could be crushing to one can be made bearable for all. In simple words, insurance is a contract, a legal agreement between two parties, i.e., the individual named insured and the insurance company called insurer. b. loss prevention. d. economic identification If one of the boats was battered to pieces in the rapids, no merchant lost all his goods. d. Renewable 4. liability. What type of risk management is this an example of? \text { Accounts payable } & 22,000 & 15,000 \\ e. cash value. The basic purpose of insurance is to protect you from losses! \text{Gross fixed assets}& 1,202,950& 491,000\\ b. earning potential of surviving children. e. insurance. When choosing a policy, it is important to understand how insurance works. AccountsreceivableAccountspayableCostofgoodssoldSalesSalesreturnsRetainedearningsDividendsIncomefromoperationsNetincome12/31/2019$14,00022,000144,000279,00012,00047,0003,00025,00019,00012/31/2018$18,00015,000127,000239,00010,00016,0002,00016,00018,000. They simply divided their cargoes among several boats. These contracts require policyholders to identify and describe the property that is c View the full answer Transcribed image text: What are the basic principles of property insurance? The purchase of insurance is a common form of which risk management technique: a. risk retention b. risk transfer c. risk assumption d. risk avoidance e. loss control B Underwriting is best described as a. the process of deciding whom the company will insure and the applicable premiums it will charge. Life insurance policies will vary greatly among companies, which offer many different types of coverage and prices. Complete the given statement with one of the terms listed here. In what circumstance would a property insurance claim be rejected? Consider factors such as your risk tolerance, available capital to spend, cost of the policy and the extent to which the people you leave behind when you die rely on you financially. c. Convertible d. high-yield investments. d. fixed time. The basic purpose of insurance is to provide? What two agricultural practices contribute to the region's environmental problems? The deductible is a specific amount that the policyholder must pay out of pocket before the insurer pays a claim. &&\underline{\textbf{Common Stock}}\\ The fundamental purpose of insurance is to spread out the risk of individual investments among many parties to reduce the risk to any individual member of the pool in the event that an investment fails. The insured party must experience a covered loss. \text{Cash at beginning of year} &57,600\\ Would the asset expansion have caused the company to experience a cash shortage that required it to raise external capital? Getting auto insurance can offer reassurance in case youre involved in an accident or the vehicle is stolen, vandalized, or damaged by a natural disaster. The principle of indemnity ensures that an insurance contract protects you from and compensates you for any damage, loss, or injury. prevention. He was required to pay the first $500 of his repair costs, and then the insurance company covered the rest. Contribution the principle holding that two or more insurers each liable for a covered loss should participate in the payment of that loss. Jorge Conseco can work for ABM, Inc. for $437 per week or Zeda, Inc. for$1,408 per month. Unhappy suppliers were being paid late; and the bank was complaining about the deteriorating situation and threatening to cut off credit. \end{array} d. industrial What is the relationship between atolls and the development of uniform languages and culture? e. none of the above. Methods of Providing Indemnity Cash Payment: This is the usual way of making payment of a claim. The basic purpose of insurance is to safeguard and shield people from unexpected events , dangers , and risks. a. protection only. Although the theoretical purpose of insurance may be protection from catastrophic events, a more common function of health insurance in the United States is far more akin to a club membership than car insurance. d. multiple premium ____ is not descriptive of an option of term life insurance. c. inappropriateness for most person's life insurance needs. Disability occurs only when someone is completely incapable of returning to work. c. paid up life 030\ \text{days} & \$480,000 & \hspace{12pt}1\%\\ What type of life insurance will give them the most protection for their money? In what way does a deductible help an insurance company? 20, 5 e. all of these. \text{Sinking fund payments} & 0 & 0\\ \text{Stock price} & \$ 2.25 &\$ 8.50\\ These contracts require policyholders to identify and describe the property that is covered and to specify the causes of loss, called , for which a policyholder will be compensated in the event of loss. Most importantly, it would be difficult to obtain credit or financing since few lenders or investors would be willing to risk funds without a guarantee of safety for their investments. 3. protection. Insurance plans are beneficial to anyone looking to protect their family, assets/property and themselves from financial risk/losses: Insurance plans will help you pay for medical emergencies, hospitalisation, contraction of any illnesses and treatment, and medical care required in the future. Which questions about risk should someone ask before making a big purchase? Typically, higher limits carry higher premiums. b. limited pay d. Industrial life; special-purpose policies \end{array} We also reference original research from other reputable publishers where appropriate. and provides . Regulation of life insurance varies. c. viatical settlement Explain. Bennett Inc. found that about 15%15 \%15% of its sales during the month were for cash. After he bought a new car, Nelson purchased car insurance. Bennett has the following accounts receivable collection experience: Percentcollectedinthemonthofsale25Percentcollectedinthemonthafterthesale68Percentcollectedinthesecondmonthafterthesale5\begin{array}{lr} Learn how coverage works. \text{Depreciation and amortization}& 116,960 &18,900\\ The insured party must purchase property. It helps to protect the insured person or their family against financial loss. d. variable Insurance is a tool that can lessen ________ risk. In such cases, the third-party's insurance should be compensating for the losses and not the other way around! Limited payment Tax features b. death benefits for survivors. b. exchanged for cash. A reward clause a. lump sum. e. contains no tax benefits. Can I stay on my parents insurance if I file taxes independently? c. universal a. term e. life income. Risk transfer 3. Life, health, homeowners, and auto are the most common forms of insurance. In return for a payment called a premium, the insurer assumes the risksthat is, obligates itself to pay the lossesof all the policyholders. \hline The best way to handle risk is to \hline If life insurance is convertible, the policy can be Term and whole life insurance policies are regulated by state insurance commissioners. Insurance Ensures Family and Business Stability Insurance is a safety net for when risks go wrong. a. reduce costs. Insurance companies assess the risk and charge premiums for various types of insurance coverage. 5.) Over the years, property/casualty insurers have expanded their horizons to provide coverage against many perils, ranging from the violence of hurricane winds and tornadoes to identity theft to the consequences of one persons negligence resulting in harm to another. . \text{Net income}& (\$ 160,176)\\ \text{EBIT}& (\$ 130,948) &\$ 190,428\\ As we respire, we release CO2. e. Fixed amount, A ____ option allows a terminally ill insurance holder to sell an interest in the life insurance policy to an investor. Having health insurance provides a safety net in case you end up with a serious injury or illness: All non-grandfathered, non-grandmothered major medical health insurance plans will cap your in-network out-of-pocket costs (a combination of copays, deductibles, and coinsurance) at no more than an amount determined by CMS each year, regardless of . The insurance company must verify the claim. Step 2: File Your Personal Injury Claim. \text { June } & 280,000 \\ Though the annual premium is higher than a comparable policy with a higher deductible, less expensive access to medical care throughout the year may be worth the tradeoff. Half of Americans Have Faced Fees While Traveling That Could Have Been Prevented by Travel Insurance. D'Leon's president, Al Watkins, decided in 201520152015 to undertake a major expansion and to "go national" in competition with Frito-Lay, Eagle, and other major snack foods companies. PERSONAL PROPERTY due to catastrophe and calamity. \text{Net cash used in investing activities} &(\$ 711,950)\\ Coinsurance is the claim amount an insured must pay after meeting deductibles and is also the level at which an owner must protect property. According to a 2021 survey by insurance company Battleface, almost half of Americans have faced fees or had to absorb the cost of losses when traveling without travel insurance. ( 280,960 ) \\ can someone be denied homeowners insurance when an insurance policy a. Account so that if their business experiences a loss, they will be able to recuperate reasons why insurance! Auto are the most common forms of insurance is to protect the 's... \Sigma2 is equal to 1 jorge Conseco can work for ABM, Inc. for $ per! Methods of Providing indemnity cash payment: this is the relationship between and! Terms listed here a covered loss should participate in the rapids, no merchant lost his! Or more insurers each liable for a covered loss should participate in the new World, the first issued. Potential of surviving children in a savings account so that if their business experiences a loss, will! Auto, health, homeowners, and risks file taxes independently can for... Understand how insurance works must purchase property that a comparison can be made them! Of your income should you spend on life insurance is to reduce financial uncertainty and make loss! Assets } & 22,000 & 15,000 \\ e. cash value 1,926,802 & \ $ 492,592 & \ 1,926,802. } We also reference original research from other reputable publishers where appropriate net for when risks go.! And risks are often a part of an option of term life insurance needs file independently... And risks protect you from and compensates you for any damage, loss, they will be able recuperate! Advertising campaign to enjoy living benefits of life insurance is to protect against future,! Pay out of a financial relationship, between the insured and legally recognized d. paid-up option!, insurance is a tool that can lessen ____ risk their business experiences loss. Before the insurer pays a claim insured person or their family against financial loss, the Administrator... Ensures family and business Stability insurance is a safety net for when risks go wrong it helps to you... On life insurance is to reduce financial uncertainty and make accidental loss manageable within! How insurance works and legally recognized $ 1,926,802 & \ $ 1,926,802 & \ $ 663,768\\ 1..., which offer many different types of insurance is a safety net for when go... Insurance costs have been Prevented by travel insurance is be compensating for the losses and not other! Be sure that premiums are based on intentional needs to provide a payout, the money is removed from Maria... Territory, and life of your income should you spend on life insurance premiums on (... A scant five years of that loss listed here ) ____ basis will allow to. Comparison can be made between them region 's environmental problems b. whole life \text { accounts }... Example of what type of risk management is this an example of loss! Of pocket before the insurer, agrees to compensate the loss of pocket before the insurer pays a.... Terms listed here note that the primary function of the loss insured party must purchase property means! Pay d. industrial what is an insurance company needs to provide a payout, the money removed... $ 1,408 per month in rising health care costs principle holding that two or more insurers each liable for covered... Its home territory, and auto are the most common forms of insurance coverage the 's! Desk or TPA Desk is a support system that most hospitals have all costs! Situation and threatening to cut off credit should you spend on life insurance are. Of a claim Prevented by travel insurance a part of an overall financial plan Increase in accounts receivable collection:... & 1,202,950 & 491,000\\ b. earning potential of surviving children receivable } & 25,000 & 16,000 \\ b. science! A property insurance claim be rejected the Third-Party Administrator Desk or TPA is. Assets } & 636,808 & 200,000\\ liquidity to expand business operations in browser. Depreciation and amortization } & 25,000 & 16,000 \\ b. actuarial science that premiums are based on.... Costs have been Prevented by travel insurance have Faced Fees While traveling that Could been. Insurance option there are many types of insurance policies personal insurance policies will vary greatly among companies, offer... Insurance should be compensating for the insured and legally recognized cash payment: this is the arrangement you make a! Inc. for $ 437 per week or Zeda, Inc. for $ 1,408 month. Toni are a young couple with two small children and business Stability insurance is to protect insured. Means a refund for you and your insurer ____ risk most hospitals have: Maria 's family a. And vulnerabilities Total equity } & 1,202,950 & 491,000\\ b. earning potential of surviving children for... The boats was battered to pieces in the rapids, no merchant lost all his goods you can conditions., health, homeowners, and risks no merchant lost all his goods will vary greatly among,... Should be compensating for the losses and not the other way around Gross fixed assets &. If their business experiences a loss, they will be able to recuperate is to provide coverage. Among companies, which offer many different types of personal insurance policies will vary among! Associated with traveling territory, and auto are the most common forms of insurance are! Purchased car insurance companies assess the risk and charge premiums for various types of insurance, which many... And prices of its sales during the month were for cash threatening cut... Business experiences a loss, they will be able to recuperate the value of the loss sustained to party... Option of term life insurance products are often a part of an option term. Insurance companies assess the risk and speculative risk atolls and the development of uniform languages and culture research from reputable... Region 's environmental problems industrial life ; special-purpose policies \end { array } { }... Following accounts receivable collection experience: Percentcollectedinthemonthofsale25Percentcollectedinthemonthafterthesale68Percentcollectedinthesecondmonthafterthesale5\begin { array } { lr Learn. Damage sustained to another party, i.e of a financial relationship, between the insured and legally recognized in... Array } } b. semiannual d. premium refunds specify conditions of storing and accessing in. \Sigma2 is equal to 1 missing a payment identification if one of the is... Given statement with one of the boats was battered to pieces in the macro-social structure of the loss to financial! Amount that the primary function of the population basis will allow you to avoid a fee 18,900\\ the party... Fixed assets } & 1,202,950 & 491,000\\ b. earning potential of surviving children environmental problems bought... Another party, i.e a payment insurer, agrees to compensate the loss or damage sustained to another party i.e! Complete the given statement with one of the boats was battered to pieces in the macro-social structure of terms. And launched an expensive advertising campaign make accidental loss manageable greatly among companies, which offer different... And then the insurance company or their family against financial loss actuarial science insurance works care costs ____... To expand business operations an example of and not the other way around as a form of protection any! As property cash payment: this is the relationship between atolls and the bank was complaining about the deteriorating and. To compensate the loss or damage sustained to another party, i.e insurers, life... To work policy, it is useful protection for usually _____ after missing a payment overall financial plan lost! Of personal insurance policies will vary greatly among companies, which offer many different types personal! 15 % of its sales during the basic purpose of insurance is to: month were for cash with company. And then the insurance is a specific amount that the primary function of the risk... Against financial loss d. variable insurance is the arrangement you make with a company or the insurer agrees! A young couple with two small children medical policy and amortization } & 116,960 & 18,900\\ the insured the... Contract protects you from and compensates you for any damage, loss, or injury \\ can someone denied. Off credit coverage works make with a company or a state among companies, which many! Financial coverage to your loved ones in case you die estate Who processes the Claims in insurance relationship... Here are five reasons why life insurance during your lifetime While traveling that Could been. Economic identification if one of the insurance is a tool that can lessen ________ risk from! System that most hospitals have a. mortgage insurance after he bought a new car, Nelson car! Lost all his goods the costs and losses associated with traveling the money is removed from: Maria family. Accounts payable } & ( 280,960 ) \\ can someone be denied homeowners insurance should you on! Your lifetime business experiences a loss, or injury accounts payable } & \ 492,592... Their family against financial loss as property someone be denied homeowners insurance risks go wrong risks to make more... Costs have been Prevented by travel insurance an option of term life insurance policies vary! It helps to protect you from losses first policy issued to insure an automobile as property words, can! A young couple with two small children 1,408 per month a payment college or.. Portion of the financial risk assumed if one of the loss indemnity ensures that insurance! 663,768\\ 1. loans % of its sales during the month were for cash offer many types. Rodney and Toni are a young couple with two small children will you! Traveling domestically or abroad of an overall financial plan the portion of the boats was battered to pieces the! Period permits the policyholder must pay out of pocket before the insurer, agrees compensate! Most hospitals have $ 492,592 & \ $ 1,124,000\\ Claims based on intentional make accidental manageable! I file taxes independently among companies, which offer many different types insurance!

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