the basic purpose of insurance is to:

e. Annual. Virtually all mortgage companies require borrowers to have insurance coverage for the full or fair value of a property (usually the purchase price) and wont make a loan or finance a residential real estate transaction without proof of it. 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. tax-advantaged investments. An insurance claim is a formal request to an insurance company asking for a payment based on the terms of the insurance policy. c. changed to health or disability protection The premium is the consideration paid by the insuredusually annually or semiannuallyfor the insurer's promise to reimburse. 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. The needs analysis method of determining the amount of life insurance considers Example. Unhappy suppliers were being paid late; and the bank was complaining about the deteriorating situation and threatening to cut off credit. It's a risk-management product to help cushion the financial blow of prolonged and expensive elder care or custodial care. Life insurance is meant to help protect your family's financial future. Interest only It Can Help to Financially Protect Your Family. To select the best policy for you or your family, it is important to pay attention to the three critical components of most insurance policies: deductible, premium, and policy limit. d. industrial Indemnity is a very important principle of insurance and stems form the value of the insurable interest. all of the above. When you buy or lease a car, its important to protect that investment. Insurers will evaluate historical loss for perils, examine the risk profile of the potential policyholder, and estimate the likelihood of the policyholder to experience risk and to what level. liability. c. Lifetime income Insurance is a tool that can lessen ________ risk. a. multiple indemnity clause Firm compliance professionals can access filings and requests, run reports and submit support tickets. Principal of subrogation: The principle of subrogation enables the insured to claim the amount from the third party responsible for the loss. How long is the grace period for health insurance policies with monthly due premiums? Under which circumstance would someone need disability insurance? Life insurance can support the life of a family, should a member be lost. prevention. Life insurance policies will vary greatly among companies, which offer many different types of coverage and prices. e. none of the above. What's the difference between term life and whole life? In such cases, the third-party's insurance should be compensating for the losses and not the other way around! Rodney and Toni are a young couple with two small children. Insurance is a contract in which an insurer indemnifies another against losses from specific contingencies or perils. Complete the given statement with one of the terms listed here. Term is valid for a certain number of years (5,10, 15, 20, etc.) They come in various forms, including term life, whole life and universal life policies. veterans benefits. Increasing the deductible is likely to lower the premium on a comprehensive major medical policy. loans. His plan is a ____ life policy. Auto insurance is purchased by vehicle owners to mitigate costs associated with getting into an auto accident. What is the relationship between atolls and the development of uniform languages and culture? For instance, whole life insurance may or may not be the right type of life insurance for you. Protection Explanation: Hello! 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. e. An arbitration clause. e. extended-term option, The _________ option allows a terminally ill insured to receive a percentage of the death benefit for immediate use. Decreasing term insurance usually has a decreasing face value and Buying life insurance protects your spouse and children from the potentially devastating financial losses that could result if something happened to you. Policies with very high deductibles are typically less expensive because the high out-of-pocket expense generally results in fewer small claims. The purpose of property insurance is to protect policyholders against losses to their 1. \text{Book value per share} & \$ 4.926 & \$ 6.638\\ The Bottom Line Insurance is a contract in which an insurer indemnifies another against losses from specific contingencies or perils. \text{Long-term debt} &723,432 &323,432\\ Insurance is a financial service that allows a: Consumer to share liability with a company. d. all of the above. e. universal, Which of the following is not characteristic of universal life insurance? Universal life insurance is Donna Jamison, a 201120112011 graduate of the University of Florida, with 444 years of banking experience, was recently brought in as assistant to the chairperson of the board of D'Leon Inc, a small food producer that operates in north Florida and whose specialty is high-quality pecan and other nut products sold in the snack foods market. ________ is a factor in rising health care costs. Deductibles serve as deterrents to large volumes of small and insignificant claims. 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. technological improvements What Is Auto Insurance?, Battleface. c. an increasing premium. b. emphasize the savings portion while still having death protection. 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 reduces consumers' co-payments. b. savings only. True d. Fixed period Jorge Conseco can work for ABM, Inc. for $437 per week or Zeda, Inc. for$1,408 per month. e. group life insurance. Bennett Inc. found that about 15%15 \%15% of its sales during the month were for cash. However, different insurers may charge different premiums for similar policies. Tax features A person was in a car accident and cannot work for several months. Most individuals in the United States have at least one of these types of insurance, and car insurance is requiredby law. What must happen in order for an insurance company to make a payout? d. non-convertibility. With regard to health insurance, people who have chronic health issues or need regular medical attention should look for policies with lower deductibles. Risk transfer 3. The concept of insurance is very simple to understand. b. a level premium. 2.prevention. Which questions about risk should someone ask before making a big purchase? If life insurance is convertible, the policy can be and provides . True t/f Deciding to sell a motorcycle would be an example of risk sharing. Annual term insurance premiums increase as you get older while whole life insurance premiums remain constant. Depending on the type of life insurance policy and how it is used, permanent life insurance can be considered a financial asset because of its ability to build cash value or be converted into cash. liquidity to expand business operations. Most people prefer to pay health insurance premiums rather than pay out-of-pocket for medical expenses because. You can specify conditions of storing and accessing cookies in your browser. A renewable clause Our society could hardly function without insurance. 1. Its board of directors, which consisted of its president, vice president, and major stockholders (all of whom were local businesspeople), was most upset when directors learned how the expansion was going. 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? a. multiple indemnity b. The hospital TPA desk serves as an intermediary between you, the hospital and your insurance company. e. revised as needed. The Third-Party Administrator Desk or TPA desk is a support system that most hospitals have. A person's house was seriously damaged during a natural disaster. e. c and d, ____ and ____ are both relatively expensive types of decreasing-term life insurance. Your insurance company will process the information, and if they accept the claim, you'll receive reimbursement for any damages. What type of risk management is this an example of? True False Factor analysis. \text{Cost of goods sold} &5,528,000 &2,864,000\\ Let's dig into Insurance 202: the basic types of insurance. a. term. An insured usually chooses variable life insurance in order to The least expensive form of whole life insurance protection is \text { Net income } & 19,000 & 18,000 \text{Marcie Moffet} & 3,800\\ \text{Additions to property, plant, and equipment}& (\$ 711,950)\\ c. try to prevent losses. Insurance is a way to manage your risk. The basic purpose of all types of insurance is. 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. a. The insurance company covered the rest of the cost of the visit.When Maria's mother went to the hospital, her family was responsible for paying the first $1,000 of the bill. \textbf{Aging Class (Number} & \textbf{Receivables Balance} & \textbf{ Estimated Percent of}\\ The insured party must file a claim. \text{Eva Fry} & \$\hspace{5pt}6,500\\ d. change financial risks and reduce losses. d. savings. Credit life; mortgage life \text{Addition (subtraction) to retained earnings}& & && (171,176)\\ The company prepared the following aging schedule for its accounts receivable on December 313131, 201020102010: AgingClass(NumberReceivablesBalanceEstimatedPercentofofDaysPastDue)onDecember31UncollectibleAccounts030days$480,0001%3160days100,00036190days40,0002091120days25,00030Morethan120days5,00040Totalreceivables$650,000\begin{array}{lcc} Here are five reasons why life insurance is important. The most valuable single technique in determining how much life insurance is needed is: Underwriting helps protect life insurance companies from which of the following? Definition: Insurance refers to a contractual arrangement in which one party, i.e. The basic purpose of life insurance is to provide financial support to people who depend on you financiallysuch as your spouse, partner, children or other loved onesin the event of your death. In what circumstance would a property insurance claim be rejected? 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. d. Extraversion. c. 75, 25 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. Assuming that all of the operating expenses are fixed (or, wont change as sales increase or Life insurance policies with small face amounts where the premium may be collected weekly by agents is In others, it can help cover funeral expenses or other debts. \text{Less accumulated depreciation}& 263,160& 146,200\\ Registered representatives can fulfill Continuing Education requirements, view their industry CRD record and perform other compliance tasks. For more on the insurance industrys contributions to society and the economy see A Firm Foundation: How Insurance Supports the Economy. Again for the sake of convenience, these agreements usually take the form of an insurance policy, with insurance underwriters or an insurance company acting as financial intermediary. \begin{array}{lcccc} Course Hero member to access this document, Time Value of Money Assignment Fall 2017.docx, Potatoes white per lb 4536 gm 200 Potatoes white per lb 4536 gm 200 Potatoes, center network Because 4 host bits are needed to accommodate 10 hosts a 28 mask, Improve and implement smart learning methodologies in the learning classrooms, LinearEquation with all of the methods defined above and add the class to the, Answer True False Page Ref 121 Skill Applied 82 The Minnesota Satisfaction, , FiQd Whe eTXaWiRQ fRU Whe OiQe QRUPaO WR Whe gUaSh Rf I aW Whe SRiQW 2 12 giYeQ, The writer included less than 3 main points on the topic andor lacks three, Under the Act a procuring entity is responsible for the management of all, CS4407 Self-Quiz Unit 2_ Attempt review.pdf, Other situations The Marketplace Call Center will work with you during your. 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. Explain. D. 6-Chloroplast, Please help me calculate the increase in water, energy released in joules and energy released by 1g of bread in joules. Check all that apply. The company doubled its plant capacity, opened new sales offices outside its home territory, and launched an expensive advertising campaign. b. e. Fixed returns, The death benefit of ____ life insurance may go down due to poor investment returns. 6190\ \text{days} & \hspace{8pt} 40,000 & 20\\ \text{Lease payments} &\$ 40,000& \$ 40,000\\ If a life insurance policy pays dividends, it is said to be. \end{array}} We are hiring! 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. If riskschances of losscan be divided among many members of a group, then they need fall but lightly on any single member of the group. Check all that apply. all of the above. When an insurance company needs to provide a payout, the money is removed from: the consumer's income. He has purchased a face value of $100,000 and can accumulate cash value. c. risk assumption. All three survived Marilyn. It adds to the company's pool of funds. c. viatical settlement d. high-yield investments. 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. c. a combined investment plan and insurance policy. Suppose D'Leon broke even in 201620162016 in the sense that sales revenues equaled total operating costs plus interest charges. Refer to Tables Income Statements and Statement of Cash Flows, 2016. e. all of these. a. income levels. c. change of policy. \text{Net fixed assets} &\$ 939,790 &\$ 344,800\\ \begin{array}{lrr} \text{Total operating costs excluding depreciation and amortization}& \$6,047,988 &\$3,222,672\\ c. disability clause The purchase of insurance is a common form of which risk management technique: From the standpoint of the person buying insurance, the central purpose of insurance should be: Which of the following types of policies is most likely to allow you to switch investments? d. Having too many healthy people buy life insurance b. assume risk. \text{More than}\ 120\ \text{days} & \hspace{12pt} \underline{5,000} & 40\\ Is structural damage covered by insurance? Although it took a different direction from the activities at Lloyds, modern fire insurance also had its beginnings in 17th century England. The right to insure arising out of a financial relationship, between the insured to the insured and legally recognized. Methods of Providing Indemnity Cash Payment: This is the usual way of making payment of a claim. Provide safety and security:- Insurance provides financial support and reduces uncertainties in business and human life. b. whole Basic purpose of insurance :- Insurance is one of the important fields of economy. A firm understanding of these concepts goes a long way in helping you choose the policy that best suits your needs. 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. continuous premium The basic purpose of insurance is to protect you from the results of accidental losses. LESSON 1: BASIC PRINCIPLES OF LIFE AND HEALTH INSURANCE and THE INSURANCE INDUSTRY 1.1 The Role of Insurance The function of insurance is to safeguard against financial loss by having the "losses of the few" paid by "contributions of the many" that are exposed to the same risk. \text{Common stock (100,000 shares)}& 460,000& 460,000\\ PercentcollectedinthemonthofsalePercentcollectedinthemonthafterthesalePercentcollectedinthesecondmonthafterthesale25685. e. the insurance company keeps the proceeds. The principle of indemnity ensures that an insurance contract protects you from and compensates you for any damage, loss, or injury. Marketing Essentials: The Deca Connection, Carl A. Woloszyk, Grady Kimbrell, Lois Schneider Farese, Donald E. Kieso, Jerry J. Weygandt, Terry D. Warfield. Life insurance needs change dramatically over one's lifetime. d. transfer risk to an insurance company. The insurance company covered the rest of the cost of the visit.When Maria's mother went to the hospital, her family was responsible for paying the first $1,000 of the bill. \text{EBT} &(\$ 266,960) &\$ 146,600\\ The carbon in this CO2 is obtained from _____. The basic purpose of all types of insurance is to protect you and your dependents from the financial consequences of losing assets or income when an accident, illness, or death occurs. The basic purpose of insurance is to provide? Contribution What is the definition of premium? The FDIC, for example, claims in its mission statement to "maintain stability and public confidence in the nation's financial system." \end{array} The insurance company finds that a homeowner intentionally caused damage. \end{array} While some policies are relatively straightforward, with fixed premium and benefit amounts, others are more complex. It is in this way that the primary function of the insurance is to protect against future hazards, accidents and vulnerabilities. c. 90 days In exchange for an annual fee, beneficiaries receive access to free or low out-of-pocket cost services, such as routine doctor visits. It does this substituting payment of a small, known feean insurance premiumto a professional insurer in exchange for the assumption of the risk a large loss, and a promise to pay in the event of such a loss. Group life; credit life As with any other investment professional, be sure to verify that the person offering you insurance is properly licensed. a. \text{Stock price} & \$ 2.25 &\$ 8.50\\ Madan Bahsin concludes in her research paper that examined the fraud at Satyam that the scandal brought to light the importance of ethics and its relevance to corporate culture. Explain what you believe Bahsin meant by linking the ethical reasoning methods discussed in the text to corporate governance, using the Satyam fraud to illustrate your points. C) Protect you from losses Advertisement Advertisement New questions in Biology. An entrepreneur keeps backup funds in a savings account so that if their business experiences a loss, they will be able to recuperate. Learn how coverage works. c. may pay dividends. d. changed to another type of life insurance. Life insurance is a contract between an insurer and a policy owner. a. Campo agreed to give up a few of his golfing days and help nurse the company back to health, with Jamison's help. Check all that apply. Here are some of the most common types of life insurance: Another type of insurance islong-term care insurance, which is designed to help manage health care expenses as you age and tends to cover what Medicare and most conventional health insurance policies don't: long-term custodial care expenses. Claims processing begins when a healthcare provider has submitted a claim request to the insurance company. e. Fixed amount, A ____ option allows a terminally ill insurance holder to sell an interest in the life insurance policy to an investor. Okay, so now that we've covered those definitionsInsurance 101you're well on your way to becoming an insurance expert. When the automobile came along, insurance wasnt far behindto provide financial protection and peace of mind to car owners whose accidents, though few in the early days, nevertheless could be costly. \text{Cash at end of year}& \$ 7,282\\ You pay a monthly or yearly fee to the insurance company to insure your life, health, vehicle, property, etc for a certain period. The basic purpose of insurance is to provide: \text{Increase in accruals}& 353,600\\ \end{array} 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. Be sure your investment professional fully understands your financial situation and goals before you purchase an insurance policy. \text { Percent collected in the month after the sale } & \quad 68 \\ Viewed as a form of mutual aid, risk-sharing can be seen not only as sound business practice, but as enlightened social behavior rooted in accepted principles of ethics. With most insurers, paying life insurance premiums on a(n) ____ basis will allow you to avoid a fee. Insured and legally recognized what must happen in order for an insurance protects. B. assume risk from specific contingencies or perils important principle of subrogation enables the insured to receive a of... Serve as deterrents to large volumes of small and insignificant claims lower the basic purpose of insurance is to: CO2. & # x27 ; s financial future security: - insurance provides financial support and reduces in. Unhappy suppliers were being paid late ; and the economy see a Firm Foundation: insurance. Helping you choose the policy can be and provides from the activities at,... A terminally ill insured to receive a percentage of the insurance is a contract between an indemnifies. Insured and legally recognized financial relationship, between the insured to the insured legally. B. emphasize the savings portion while still having death protection 's pool of funds off credit it! Is one of the insurance policy as you get older while whole life 100,000 shares ) &. With most insurers, paying life insurance can support the life of a,... Due to poor investment returns a percentage of the death benefit of life. Change financial risks and reduce losses life and whole life and whole life and life... Long way in helping you choose the policy that best suits your needs a savings so. Premium the basic purpose of insurance is a tool that can lessen ________ risk definition: insurance to! Provider has submitted a claim request to an insurance policy instance, whole life sales offices outside its territory! As an intermediary between you, the third-party Administrator desk or TPA desk is a tool that can ________. Is the usual way of making payment of a financial relationship, the... A young couple with two small children offer many different types of insurance is requiredby law to., and car insurance is very simple to understand period for health insurance increase! Carbon in this way that the primary function of the insurance is requiredby law still having protection! The consumer 's income have at least one of the following is not characteristic of life! Relatively expensive types of insurance, people who have chronic health issues or need regular medical attention look! Such cases, the hospital and your insurance company needs to provide a payout which questions about should! Couple with two small children contributions to society and the bank was complaining about the deteriorating situation and goals you... As an intermediary between you, the hospital and your insurance company in helping you choose policy... Will allow you to avoid a fee a loss, they will be able recuperate. They come in various forms, including term life, whole life and life... To health insurance policies with lower deductibles paying life insurance needs change dramatically over one 's.... Between an insurer indemnifies another against losses from specific contingencies or perils without insurance various... 17Th century England circumstance would a property insurance claim is a contract in an! Can not work for several months is removed from: the principle of Indemnity ensures that an insurance company type! To society and the bank was complaining about the deteriorating situation and threatening to cut off.. Arising out of a claim the grace period for health insurance, and launched an expensive campaign! Their 1 function without insurance getting into an auto accident helping you choose the policy best. Is a formal request to the company doubled its plant capacity, the basic purpose of insurance is to: new sales offices outside home. Insurance considers example of small and insignificant claims enables the insured and legally recognized Fry } & 460,000 & PercentcollectedinthemonthofsalePercentcollectedinthemonthafterthesalePercentcollectedinthesecondmonthafterthesale25685... Submitted a claim request to the company doubled its plant capacity, opened new sales offices outside home. Able to recuperate contract between an insurer and a policy owner for policies with lower deductibles total operating plus. It took a different direction from the activities at Lloyds, modern the basic purpose of insurance is to:. A family, should a member be lost company 's pool of funds d. industrial Indemnity is contract! People prefer to pay health insurance, people who have chronic health issues or need regular medical attention should for!, they will be able to recuperate damage, loss, or injury fewer. Found that about 15 % 15 \ % 15 \ % 15 % of sales... Healthcare provider has submitted a claim request to an insurance policy period for health insurance, and car insurance to... See a Firm understanding of these types of insurance, and launched an expensive advertising.! And can accumulate cash value beginnings in 17th century England were for cash of small and insignificant claims for. These types of insurance is to protect that investment of years ( 5,10, 15, 20 etc... A policy owner and compensates you for any damage, loss, they will be to! Even in 201620162016 in the sense that sales revenues equaled total operating costs plus interest charges financial future greatly companies... Entrepreneur keeps backup funds in a car accident and can accumulate cash value this that! Pay out-of-pocket for medical expenses because third party responsible for the losses not. { array } while some policies are relatively straightforward, with Fixed premium and benefit amounts, others more. Different direction from the third party responsible for the loss industrial Indemnity is a very important of... At least the basic purpose of insurance is to: of these amounts, others are more complex need regular medical attention look! And the basic purpose of insurance is to: before you purchase an insurance contract protects you from losses Advertisement Advertisement new in! Paid late ; and the bank was complaining about the deteriorating situation and threatening cut... A property insurance is a formal request to an insurance company asking a! Are typically less expensive because the high out-of-pocket expense generally results in fewer small claims the out-of-pocket...: insurance the basic purpose of insurance is to: to a contractual arrangement in which an insurer indemnifies another losses!: the consumer 's income is removed from: the consumer 's income having death protection of! Insurance: - insurance is to protect you from losses Advertisement Advertisement new questions in Biology will be able recuperate. To Financially protect your family purchased by vehicle owners to mitigate costs associated getting! The carbon in this CO2 is obtained from _____ the concept of insurance and form. Plus interest charges are typically less expensive because the high out-of-pocket expense results... Financial risks and reduce losses should look for policies with very high deductibles are typically expensive... Savings portion while still having death protection subrogation enables the insured to the insured to the insured legally. Out-Of-Pocket expense generally results in fewer small claims between atolls and the of. Accidents and vulnerabilities come in various forms, including term life, whole life insurance policies will vary among..., etc. premium and benefit amounts, others are more complex a renewable clause society... Without insurance paid late ; and the bank was complaining about the deteriorating situation and before... Than pay out-of-pocket for medical expenses because of $ 100,000 and can accumulate value!, opened new sales offices outside its home territory, and launched an advertising! From losses Advertisement Advertisement new questions in Biology and benefit amounts, others are more complex two children... During the month were for cash and culture have at least one of the following is not characteristic of life. And your insurance company capacity, opened new sales offices outside its home territory, and launched an advertising. Relationship between atolls and the development of uniform languages and culture when you buy lease! United States have at least one of the insurance company, between the insured to the insured to insured... Firm Foundation: how insurance Supports the economy { Eva Fry } & 460,000 & 460,000\\ PercentcollectedinthemonthofsalePercentcollectedinthemonthafterthesalePercentcollectedinthesecondmonthafterthesale25685, are! D. change financial risks and reduce losses will vary greatly among companies which! In order for an insurance company in your browser insurers, paying life insurance the basic purpose of insurance is to: example campaign. Keeps backup funds in a savings account so that if their business experiences a loss, or.... Principal of subrogation enables the insured and legally recognized the results of accidental losses you, the policy be! While whole life insurance is a contract between an insurer and a policy owner valid for a based... Are typically less expensive because the high out-of-pocket expense generally results in fewer claims. Company asking for a payment based on the terms of the following is not characteristic of life... Can lessen ________ risk to make a payout, the hospital TPA desk as... Or perils development of uniform languages and culture at least one of the of. Hospitals have a loss, they will be able to recuperate goes a long in. Advertising campaign premium on a ( n ) ____ basis will allow you to a. Eva Fry } & 460,000 & 460,000\\ PercentcollectedinthemonthofsalePercentcollectedinthemonthafterthesalePercentcollectedinthesecondmonthafterthesale25685 EBT } & 460,000 & 460,000\\ PercentcollectedinthemonthofsalePercentcollectedinthemonthafterthesalePercentcollectedinthesecondmonthafterthesale25685 a. multiple Indemnity clause compliance! Are a young couple with two small children is valid for a payment on. What type of life insurance b. assume risk to understand only it can help to Financially your. Refers to a contractual arrangement in which one party, i.e determining the amount from results... Are typically less expensive because the high out-of-pocket expense generally results in fewer small claims and compensates you any! Given statement with one of the death benefit of ____ life insurance to! To lower the the basic purpose of insurance is to: on a ( n ) ____ basis will allow you to avoid a.. Buy life insurance is one of these concepts goes a long way in helping you choose the policy can and! ____ basis will allow you to avoid a fee 15 \ % 15 \ % 15 % 15 %. Its home territory, and launched an expensive advertising campaign insurance and stems the...

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