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Insurance

Graded Premium Policy

This particular type of whole life policy caters to individuals seeking a higher level of life coverage but are unable to afford it at the moment. It involves paying a lower premium rate that gradually increases within the initial three to five years before stabilizing for the remainder of the policy's duration.

Direct writers

Insurance companies can use various methods to sell insurance directly to the public. This can include using exclusive agents, their own employees, or even online platforms....

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Contingent liability

The concept of vicarious liability refers to the legal responsibility of individuals, corporations, or partnerships for accidents caused by individuals who are not their emp...

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Physical hazard

When we talk about material characteristics, we're referring to the properties of an object that can affect its behavior or impact its surroundings. For example, a wet or ic...

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Loss of use

Homeowners and renters insurance policies often include a valuable provision that covers the costs of temporary living arrangements in the event of a disaster. This means tha...

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