442:, insurance brokers are regulated by individual states. Most states require anyone who sells, solicits, or negotiates insurance in that state to obtain an insurance broker license, with certain limited exceptions. This includes a business entity, the business entity's officers or directors (the "sublicensees" through whom the business entity operates), and individual employees. In order to obtain a broker's license, a person typically must take pre-licensing courses and pass an examination. An insurance broker also must submit an application (with an application fee) to the state insurance regulator in the state in which the applicant wishes to do business, who will determine whether the insurance broker has met all the state requirements and will typically do a
490:. For example, research shows that brokers play a significant role in helping small employers find health insurance, particularly in more competitive markets. Average small group commissions range from two percent to eight percent of premiums. Brokers provide services beyond procuring insurance, such as providing risk assessments, insurance consulting services, insurance-related regulatory and legislative updates, claims assistance services, assisting with employee enrollment, and helping to resolve benefit issues. However, some states consider the provision of services that are unrelated to the insurance procured through the broker to be an impermissible rebate or inducement.
179:
418:
77:
36:
609:, home, and life insurance markets for retail consumers have accelerated since 2012, with the rise of insurance comparison websites. Publicly traded companies Amazon, Walmart, and Google continue to disrupt how consumers purchase insurance with varying success. Google, later exited the online insurance comparison market in 2016, and
582:
Any person acting as an insurance agent or broker must be licensed to do so by the state or jurisdiction that the person is operating in. Whereas states previously would issue separate licenses for agents and brokers, most states now issue a single producer license regardless if the person is acting
512:
ruled in a published opinion that a subsequent court ruling establishing that the insurer had wrongfully denied coverage—that the insurer had a duty to defend the band and had breached that duty—did not absolve the broker of its duty to advise the band it needed something more than a basic CGL policy
578:
legal custom. The agent's primary alliance is with the insurance carrier, not the insurance buyer. In contrast, an insurance broker represents the insured, generally has no contractual agreements with insurance carriers, and relies on common or direct methods of perfecting business transactions
326:
Dealing with an insurance broker as opposed to directly with an insurer is something many customers (particularly businesses) choose to do in
Australia for reasons including: the ease of having the "shopping around done for them"; having the opportunity for premium funding which allows for larger
423:
421:
422:
386:
and life insurance brokerage until the onset of new regulation in 2001. This drove a more transparent regime, based predominantly on upfront negotiation of a fee for the provision of advice and/or services. This saw the splitting of intermediaries into two groups: general insurance
420:
363:, which was designed to prevent firms holding themselves as brokers but in fact acting as representative of one or more favoured insurance companies. The term has no legal definition following the repeal of the 1977 Act. The sale of general insurance was regulated by the
339:
In Canada, insurance brokers are regulated on a provincial and territorial basis. Insurance brokers and insurance agents are licensed and regulated by the same entity in most of Canada; either an arms-length organization, such as the
General Insurance Council of
318:
Within
Australia there are also a number of industry bodies that issue professional accreditations to members that comply with best standards of professional practice and integrity and maintain up to date skills and knowledge. The two main accreditations are the
446:
to determine whether the applicant is considered trustworthy and competent. A criminal conviction, for example, may result in a state determining that the applicant is untrustworthy or incompetent. Some states also require applicants to submit fingerprints.
458:
requires license renewals every 2 years, which is accomplished by completing continuing education courses. Most states have reciprocity agreements whereby brokers from one state can become easily licensed in another state. As a result of the federal
467:. A state may revoke, suspend, or refuse to renew an insurance broker's license if at any time the state determines (typically after notice and a hearing) that the broker has engaged in any activity that makes him untrustworthy or incompetent.
470:
Because of industry regulation, smaller brokerage firms can easily compete with larger ones, and in most states, all insurance brokers generally are forbidden by law from providing their customers with rebates or inducements.
508:(CGL) insurance policy that excluded coverage for the "entertainment business". After insurance coverage for a lawsuit was denied because Third Eye Blind was and is, after all, in the entertainment business, the
419:
320:
496:
on the part of insurance brokers can have severe effects upon clients when they discover their insurance coverage is worthless. In one case, Near North
Entertainment Insurance Services provided
539:
by the major brokers, where the brokers arranged with insurers to provide "fake" quotes in exchange for providing favorable risks amidst contingent commission arrangements. In 2008,
2077:
734:
308:
272:
in that a broker typically acts on behalf of a client by negotiating with multiple insurers, while an agent represents one or more specific insurers under a contract.
331:
rather than dealing directly with several insurers; and, the ease of having claims managed by the broker who deals directly with the insurer on the client's behalf.
464:
2092:
1357:
189:
579:
with insurance carriers. This can have a significant beneficial impact on insurance negotiations obtained through a broker (vs. those obtained from an agent).
323:(ANZIIF) Certified Insurance Professional (CIP) and National Insurance Brokers Association (NIBA) Qualified Practicing Insurance Broker (QPIB) qualifications.
1337:
2087:
1463:
311:(ASIC). Reputable and experienced insurance brokers in Australia will generally also hold additional qualifications such as a certificate or diploma in
555:, a regulation ("Regulation 194") was adopted in 2011 which required disclosure. Brokers or agents may decide to reveal their commission upon request.
327:
insurance policies to be paid in installments rather than all at once; dealing with one broker for all policies from the car insurance to professional
360:
1254:
1151:
2295:
2097:
606:
505:
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1352:
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1177:
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which requires the completion of in depth studies in a specific area, the most common being general insurance or insurance brokering.
1422:
1092:
912:
241:
223:
160:
94:
63:
49:
1488:
514:
1118:
406:
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483:
430:(William H. Watson, 1922) is a slapstick silent film about the methods and mishaps of an American insurance broker. Collection
141:
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439:
431:
388:
113:
98:
2310:
977:"INCENTIVE-BASED COMPENSATION, CONTINGENT COMMISSIONS & REQUIRED BROKER DISCLOSURES: IS THERE A MEETING OF THE MINDS?"
730:
2230:
1478:
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976:
540:
529:
364:
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288:
120:
787:
2047:
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949:
Cummins, J. D.; Ray, Gerald; Vaughan, Terri (14 February 2007). "The
Insurance Brokerage Industry Post-October 2004".
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509:
368:
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1559:
1453:
869:
127:
1774:
1663:
1473:
1374:
398:
General insurance brokering is carried out today by many types of authorized organisations including traditional
371:
since 1 April 2013. Any person or firm authorized by the
Authority can now call themselves an insurance broker.
2305:
2147:
1899:
1769:
1749:
1417:
1369:
205:
1804:
109:
1950:
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627:
87:
1007:
2042:
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1503:
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460:
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where consumers buy directly from the insurer without an intermediary. However, the $ 46 billion online
2057:
1943:
1872:
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1612:
551:
In most states there is no requirement to disclose the commission of the broker to the customer, but in
201:
55:
1574:
1040:
2166:
2109:
1732:
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1539:
1427:
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284:
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Insurance brokers play a significant role in helping companies and individuals procure property and
2300:
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2022:
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1622:
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328:
276:
27:
Person or organization who acts as an intermediary between sellers and buyers of insurance policies
2290:
2268:
2261:
2173:
2052:
1977:
1794:
1759:
1670:
1627:
1597:
1569:
1564:
1534:
1508:
1332:
1284:
900:
463:, most states have adopted uniform licensing laws, with 47 states being deemed reciprocal by the
312:
2122:
1992:
1884:
1848:
1838:
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1707:
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2247:
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1987:
1982:
1962:
1921:
1916:
1863:
1858:
1722:
1702:
1579:
1544:
571:
501:
269:
348:, insurance brokers have self-governing bodies responsible for licensing and regulation.
907:(2010 supp., 3rd ed.). New York: Wolters Kluwer Law & Business. pp. 6–19.
613:
threatened to shutter their online consumer brand
Esurance after disappointing profits.
2153:
2002:
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1549:
1443:
1389:
479:
379:
855:
2284:
1956:
1877:
1825:
1764:
1602:
1468:
934:
870:"The Role of Health Insurance Brokers: Providing Small Employers with a Helping Hand"
705:
558:
In most states, agents cannot charge a fee in addition to their commission, although
532:
280:
2205:
2017:
2012:
1972:
1933:
341:
261:
409:
is a representative organisation for brokers in the UK. It has over 1800 members.
2240:
2195:
1868:
1653:
536:
399:
268:
on behalf of a client for compensation. An insurance broker is distinct from an
76:
17:
2139:
2131:
2007:
1928:
1889:
1833:
493:
455:
383:
1130:
1019:
984:
454:
courses when their licenses reach a renewal date. For example, the state of
2181:
1997:
1967:
1938:
1680:
1307:
265:
881:
1905:
936:
Third Eye Blind, Inc. v. Near North
Entertainment Insurance Services, LLC
837:
610:
901:"§ 6.04, Standard of Conduct and Potential Liability for Intermediaries"
1843:
1779:
1203:"Google Launches A New Tool To Sell Car Insurance To U.S Web Searchers"
885:
756:"ANZIIF: Australian and New Zealand Institute of Insurance and Finance"
392:
345:
275:
As of 2019, the largest insurance brokers in the world by revenue are
1498:
759:
1067:"Fees Plus Commissions Allowed for Retail Insurance Agents in Texas"
812:
788:"The Saskatchewan Insurance Councils Regulations, RRS c S-26 Reg 2"
2158:
559:
416:
1853:
1255:"Allstate Plans to Say Farewell to Esurance Brand After 8 Years"
1280:
1093:"IBISWorld - Industry Market Research, Reports, and Statistics"
344:, or directly by a government body. In some provinces, such as
172:
70:
29:
321:
Australian and New
Zealand Institute of Insurance and Finance
1276:
773:
303:
In
Australia, all insurance brokers are required under the
587:
is used to reference both insurance agents and brokers.
450:
Once licensed, an insurance broker generally must take
197:
939:, 127 Cal. App. 4th 1311, 26 Cal. Rptr. 3d 452 (2005).
858:, published 26 October 2020, accessed 20 February 2021
755:
876:(57). Center for Studying Health System Change: 1–4.
367:
from 14 January 2005 until 31 March 2013 and by the
2108:
2033:
1817:
1646:
1588:
1517:
1436:
1388:
1323:
1314:
574:is an insurance company's representative by way of
101:. Unsourced material may be challenged and removed.
1041:"How much is your insurance agent making off you?"
1152:"Amazon considering UK insurance comparison site"
1178:"Wal-Mart plans 1-stop health coverage shopping"
868:Conwell, Leslie Jackson Conwell (October 2002).
735:Australian Securities and Investments Commission
309:Australian Securities and Investments Commission
774:"NIBA - National Insurance Brokers Association"
601:As in many industries, there is a trend toward
583:on behalf of the insured or insurer. The term
465:National Association of Insurance Commissioners
374:Insurance brokerage is largely associated with
1292:
650:
648:
382:, although some brokers continued to provide
186:The examples and perspective in this article
8:
1119:"Insurance via Internet Is Squeezing Agents"
543:paid $ 125 million to settle with 9 states.
391:(IFAs) for life insurance, investments and
307:to be licensed by the federal government's
64:Learn how and when to remove these messages
1320:
1299:
1285:
1277:
1229:"Google is shuttering Google Compare: WSJ"
402:brokers and telephone or web-based firms.
361:Insurance Brokers (Registration) Act 1977
242:Learn how and when to remove this message
224:Learn how and when to remove this message
161:Learn how and when to remove this message
854:British Insurance Brokers' Association,
817:Registered Insurance Brokers of Ontario
644:
842:British Insurance Brokers' Association
570:Though not an absolute separation; an
407:British Insurance Brokers' Association
981:Federation of Regulatory Counsel, Inc
7:
1117:Dougherty, Conor (19 January 2015).
951:Risk Management and Insurance Review
706:"Financial Services Reform Act 2001"
99:adding citations to reliable sources
264:who sells, solicits, or negotiates
1338:Accidental death and dismemberment
359:became a regulated term under the
305:Financial Services Reform Act 2001
25:
45:This article has multiple issues.
1464:Directors and officers liability
177:
75:
34:
710:Federal Register of Legislation
86:needs additional citations for
53:or discuss these issues on the
2296:Financial services occupations
905:Stempel on Insurance Contracts
681:"Top Global Insurance Brokers"
515:errors and omissions insurance
476:casualty (liability) insurance
432:EYE Film Institute Netherlands
389:independent financial advisers
378:(car, house etc.) rather than
1:
731:"Do you need an AFS licence?"
2231:Savings and loan association
899:Stempel, Jeffrey W. (2005).
506:commercial general liability
365:Financial Services Authority
1664:Insurance-linked securities
633:Economics of climate change
387:intermediaries/brokers and
369:Financial Conduct Authority
200:, discuss the issue on the
2327:
1353:Total permanent disability
1008:"Insurance Fees, Revealed"
660:Insurance Bureau of Canada
594:
562:is one of the exceptions.
510:California Court of Appeal
2256:
2093:Health insurance coverage
1358:Business overhead expense
1494:Protection and indemnity
535:found apparent cases of
1951:Explanation of benefits
1423:Variable universal life
628:Loss-control consultant
2088:Health insurance costs
1489:Professional liability
521:Spitzer investigations
461:Gramm-Leach-Bliley Act
435:
1944:Out-of-pocket expense
1805:Workers' compensation
1459:Collateral protection
1449:Business interruption
428:Accidents will happen
426:
352:In the United Kingdom
2311:Economics consulting
2167:Corpus Juris Civilis
1176:D'Innocenzio, Anne.
1071:insurancejournal.com
957:(2). Rochester, NY.
452:continuing education
413:In the United States
285:Willis Towers Watson
277:Marsh & McLennan
206:create a new article
198:improve this article
188:may not represent a
95:improve this article
2226:Rochdale Principles
2221:Mutual savings bank
2216:Mutual organization
2201:Cooperative banking
2118:Mesopotamian banker
1398:Longevity insurance
1012:Wall Street Journal
656:"Insurance Vendors"
585:insurance producers
547:Commission and fees
486:, and accident and
329:indemnity insurance
289:Arthur J. Gallagher
1978:Insurable interest
1479:Payment protection
1380:Payment protection
1261:. 19 December 2019
1235:. 23 February 2016
1123:The New York Times
436:
313:financial services
110:"Insurance broker"
2278:
2277:
2123:Code of Hammurabi
2098:Vehicle insurance
1993:Replacement value
1885:Actual cash value
1849:Adverse selection
1839:Actuarial science
1813:
1812:
1745:Kidnap and ransom
1718:Extended warranty
1365:Income protection
1097:www.ibisworld.com
987:on 26 August 2016
623:Financial adviser
603:disintermediation
597:Disintermediation
591:Disintermediation
424:
376:general insurance
293:Hub International
252:
251:
244:
234:
233:
226:
208:, as appropriate.
171:
170:
163:
145:
68:
16:(Redirected from
2318:
2236:Social insurance
2191:Friendly society
2083:Health insurance
1911:Short rate table
1659:Catastrophe bond
1560:Lenders mortgage
1321:
1301:
1294:
1287:
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1054:
1052:
1037:
1031:
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1026:
1003:
997:
996:
994:
992:
983:. Archived from
973:
967:
966:
946:
940:
932:
926:
925:
923:
921:
896:
890:
889:
884:. Archived from
865:
859:
856:About BIBA Short
852:
846:
845:
834:
828:
827:
825:
823:
809:
803:
802:
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798:
784:
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696:
695:
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691:
677:
671:
670:
668:
666:
652:
566:Broker vs. agent
530:Attorney General
498:alternative rock
488:health insurance
444:background check
425:
357:Insurance broker
258:insurance broker
247:
240:
229:
222:
218:
215:
209:
181:
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173:
166:
159:
155:
152:
146:
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103:
79:
71:
60:
38:
37:
30:
21:
18:Insurance Broker
2326:
2325:
2321:
2320:
2319:
2317:
2316:
2315:
2306:Brokerage firms
2281:
2280:
2279:
2274:
2252:
2248:Insurance cycle
2211:Fraternal order
2104:
2035:
2029:
1988:Proximate cause
1983:Insurance fraud
1963:General average
1922:Claims adjuster
1864:Risk management
1859:Risk assessment
1823:
1820:
1809:
1775:Prize indemnity
1642:
1590:
1584:
1513:
1474:Over-redemption
1432:
1384:
1375:National health
1316:
1310:
1305:
1275:
1274:
1264:
1262:
1253:
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1248:
1238:
1236:
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1210:
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1200:
1196:
1186:
1184:
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1158:
1156:The Irish Times
1150:
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1145:
1135:
1133:
1116:
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1064:
1060:
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1048:
1039:
1038:
1034:
1024:
1022:
1006:Scism, Leslie.
1005:
1004:
1000:
990:
988:
975:
974:
970:
948:
947:
943:
933:
929:
919:
917:
915:
898:
897:
893:
888:on 6 June 2007.
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866:
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806:
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699:
689:
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685:news.ambest.com
679:
678:
674:
664:
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654:
653:
646:
641:
619:
599:
593:
576:agent-principal
572:insurance agent
568:
549:
523:
502:Third Eye Blind
417:
415:
354:
337:
301:
270:insurance agent
248:
237:
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104:
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92:
80:
39:
35:
28:
23:
22:
15:
12:
11:
5:
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2314:
2313:
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2273:
2272:
2269:List of topics
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2156:
2154:Burial society
2144:
2143:
2142:
2136:§235–238; §240
2128:§100–105; §126
2120:
2114:
2112:
2106:
2105:
2103:
2102:
2101:
2100:
2095:
2090:
2085:
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2078:Climate change
2070:
2068:United Kingdom
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2055:
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2045:
2039:
2037:
2031:
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2028:
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2015:
2013:Underinsurance
2010:
2005:
2003:Self-insurance
2000:
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1770:Political risk
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1750:Legal expenses
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1530:Builder's risk
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1454:Business owner
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1425:
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1418:Universal life
1415:
1410:
1405:
1400:
1394:
1392:
1386:
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1383:
1382:
1377:
1372:
1370:Long-term care
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1345:
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1296:
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1281:
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1973:Insurability
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1900:Cancellation
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1691:Catastrophic
1676:Climate risk
1504:Trade credit
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813:"About RIBO"
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1869:Uncertainty
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1518:Residential
920:20 February
874:Issue Brief
537:bid-rigging
400:high street
2301:Investment
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2036:by country
2034:Insurance
2008:Total loss
1929:Deductible
1890:Cash value
1834:Act of God
1819:Insurance
1733:Parametric
1713:Expatriate
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1555:Landlords'
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1051:18 January
1045:insure.com
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991:18 January
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639:References
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456:California
384:investment
214:March 2021
121:newspapers
50:improve it
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1998:Risk pool
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1315:Types of
1308:Insurance
1182:USA TODAY
1131:0362-4331
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838:"History"
525:In 2004,
513:(namely,
484:annuities
335:In Canada
266:insurance
202:talk page
56:talk page
2262:Category
2140:§275–277
2058:Pakistan
1906:Pro rata
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617:See also
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553:New York
527:New York
393:pensions
196:You may
2187:Benefit
2174:Digesta
2110:History
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1800:Weather
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690:5 May
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