0000548480 00000 n 0000700247 00000 n 0000392166 00000 n 0000826394 00000 n 0000619113 00000 n 0000833888 00000 n 0000226175 00000 n 0000210416 00000 n 0000592443 00000 n 0000681184 00000 n 0000831478 00000 n 0000432500 00000 n 0000504431 00000 n 0000293545 00000 n In the Insuring Agreement, the insurer agrees to do certain things such as paying losses for covered perils, providing certain services, or agreeing to defend the insured in a liability lawsuit. 0000229106 00000 n 0000309949 00000 n 0000792682 00000 n
0000829797 00000 n 0000454898 00000 n 0000398109 00000 n 0000783932 00000 n 0000664322 00000 n 0000298556 00000 n 0000472936 00000 n 0000591898 00000 n 0000419523 00000 n 0000652281 00000 n 0000753864 00000 n 0000555329 00000 n 0000486409 00000 n 0000829988 00000 n 0000272358 00000 n 0000215527 00000 n 0000753093 00000 n 0000678332 00000 n 0000289555 00000 n 0000403174 00000 n 0000460222 00000 n 0000407385 00000 n 0000816012 00000 n 0000575664 00000 n 0000725008 00000 n 0000627318 00000 n 0000257776 00000 n 0000656724 00000 n 0000734716 00000 n 0000365753 00000 n 0000701511 00000 n 0000802024 00000 n 0000659473 00000 n 0000447222 00000 n 0000218011 00000 n Information is provided 'as is' and solely for education, not for trading purposes or professional advice. 0000313705 00000 n 0000397218 00000 n 0000673810 00000 n 0000467164 00000 n 0000475089 00000 n 0000737142 00000 n 0000209690 00000 n 0000418264 00000 n 0000237670 00000 n 0000462745 00000 n Common conditions in a policy include the requirement to file a proof of loss with the company, to protect property after a loss, and to cooperate during the companys investigation or defense of a liability lawsuit. 0000587941 00000 n 0000441899 00000 n 0000474199 00000 n 0000695637 00000 n 0000279868 00000 n 0000646279 00000 n 0000328678 00000 n 0000789263 00000 n 0000449541 00000 n 0000806092 00000 n 0000347683 00000 n 0000263840 00000 n 0000673443 00000 n 0000276214 00000 n 0000573610 00000 n 0000251351 00000 n 0000320755 00000 n 0000383186 00000 n 0000286455 00000 n 0000628941 00000 n 0000649339 00000 n 0000347863 00000 n 0000504967 00000 n 0000727718 00000 n 0000518904 00000 n 0000647885 00000 n 0000292671 00000 n
0000746369 00000 n 0000402647 00000 n 0000410902 00000 n 0000416249 00000 n 0000760287 00000 n 0000503856 00000 n 0000668235 00000 n 0000743904 00000 n 0000332791 00000 n 0000327467 00000 n 0000426140 00000 n 0000512936 00000 n 0000358447 00000 n 0000796290 00000 n 0000494084 00000 n 0000216940 00000 n 0000315637 00000 n [20], In the United States, property and casualty insurers typically use similar or even identical language in their standard insurance policies, which are drafted by advisory organizations such as the Insurance Services Office and the American Association of Insurance Services. 0000282767 00000 n Central to any insurance contract is the insuring agreement, which specifies the risks covered, the limits of the policy, and the term of the policy. 0000702742 00000 n 0000233187 00000 n 0000380177 00000 n Most binders are written and include general information, such as the type and amount of insurance, the name of the parties, and the time during which the binder is effective. 0000475808 00000 n 0000208410 00000 n 0000792143 00000 n 0000313189 00000 n 0000484982 00000 n 0000783752 00000 n 0000590837 00000 n 0000284675 00000 n 0000697322 00000 n 0000453123 00000 n 0000657822 00000 n 0000808801 00000 n 0000665056 00000 n 0000580908 00000 n 0000733304 00000 n Besides that the insured must pay the premium to the insurer, neither party needs to perform until a loss occurs, but when a loss does occur, then the insured must initiate performance before the insurer is required to do anything. 0000305480 00000 n 0000795226 00000 n 0000426834 00000 n 0000511876 00000 n 0000691159 00000 n 0000147375 00000 n 0000705254 00000 n 0000369957 00000 n 0000434058 00000 n 0000688467 00000 n 0000280976 00000 n 0000769186 00000 n 0000385514 00000 n 0000786077 00000 n 0000391814 00000 n 0000475269 00000 n 0000278938 00000 n 0000286996 00000 n 0000452047 00000 n 0000352033 00000 n 0000402301 00000 n 0000793974 00000 n 0000302705 00000 n 0000217476 00000 n 0000305669 00000 n There are 4 requirements for any valid contract, including insurance contracts: Insurance contracts have an additional requirement that they be in legal form. 0000317819 00000 n 0000417514 00000 n 0000677788 00000 n 0000504047 00000 n 0000248147 00000 n 0000714090 00000 n An insurer may change the language or coverage of a policy at the time of the policy renewal. 0000335285 00000 n 0000511698 00000 n 0000330386 00000 n 0000597561 00000 n 0000482599 00000 n 0000719390 00000 n 0000532015 00000 n This is particularly true for oral binders, for once a written policy is issued, the parole evidence rule makes the written policy determinative where there is any conflict between the oral and written agreement. 0000274611 00000 n 0000665632 00000 n 0000485340 00000 n 0000250827 00000 n 0000266565 00000 n If the insurance company has evidence of fraud, it can ask a court to rescind a contract unilaterally. The company cannot sue the insured for breach of contract. 0000759916 00000 n 0000347154 00000 n 0000593349 00000 n 0000693121 00000 n 0000314233 00000 n 0000452955 00000 n 0000311946 00000 n 0000449884 00000 n 0000809335 00000 n [4], Insurance contracts were traditionally written on the basis of every single type of risk (where risks were defined extremely narrowly), and a separate premium was calculated and charged for each. 0000400204 00000 n 0000340363 00000 n 0000257036 00000 n 0000665988 00000 n 0000587186 00000 n 0000368750 00000 n 0000266751 00000 n 0000367177 00000 n 0000433031 00000 n 0000216055 00000 n 0000399683 00000 n 0000806262 00000 n 0000333319 00000 n 0000252799 00000 n 0000815301 00000 n 0000458225 00000 n 0000770262 00000 n 0000386055 00000 n 0000409315 00000 n 0000337244 00000 n 0000444027 00000 n 0000366107 00000 n 0000582551 00000 n
0000674881 00000 n 0000540036 00000 n 0000633580 00000 n 0000550269 00000 n 0000771165 00000 n 0000384442 00000 n Most insurance contracts, such as policies for property, liability, and health insurance, are indemnity contracts, where the insurance company is only required to compensate for actual losses, up to the policy limits. 0000751802 00000 n 0000400559 00000 n Save Money, But Don't Make These Mistakes, Second Home Insurance: What You Need to Know, Summer Safety: Grill Safety and Insurance, Recovery: What to Do Coming Out of A Storm, Pools and Insurance: What You Should Know. 0000432137 00000 n 0000814215 00000 n 0000388324 00000 n 0000513655 00000 n 0000584011 00000 n 0000685865 00000 n 0000503292 00000 n (1999).
A binder is a temporary contract that can be oral or written that binds the insurance company to the contract immediately until it has a chance to examine the application, and issue a formal policy. 0000393609 00000 n 0000321104 00000 n 0000254772 00000 n 0000833526 00000 n 0000417694 00000 n 0000517143 00000 n 0000703460 00000 n 0000514201 00000 n 0000730675 00000 n 0000334196 00000 n 0000744765 00000 n 0000803310 00000 n 0000219998 00000 n
0000516394 00000 n 0000559513 00000 n 0000381758 00000 n 0000754238 00000 n 0000814041 00000 n 0000774348 00000 n 0000430868 00000 n 0000818514 00000 n 0000661963 00000 n 0000615274 00000 n 0000643598 00000 n 0000264736 00000 n 0000299098 00000 n 0000463642 00000 n 0000348380 00000 n 0000341450 00000 n 0000291586 00000 n 0000704895 00000 n 0000748504 00000 n 0000297660 00000 n 0000221211 00000 n 0000273209 00000 n 0000547044 00000 n 0000775950 00000 n 0000748136 00000 n 0000539329 00000 n 0000302168 00000 n In life insurance, the agent never has the power to bind the company. 0000811434 00000 n 0000267489 00000 n 0000696367 00000 n 0000681719 00000 n 0000683661 00000 n 0000829063 00000 n 0000791418 00000 n 0000427367 00000 n 0000540740 00000 n 0000735982 00000 n 0000358615 00000 n 0000240499 00000 n 0000305830 00000 n 0000777180 00000 n 0000234280 00000 n 0000437788 00000 n 0000525384 00000 n 0000663207 00000 n 0000354163 00000 n 0000222239 00000 n 0000592078 00000 n 0000645017 00000 n Insurance contracts require the insured to perform specific things or requires certain conditions, both before and after a loss, which the law sometimes categorizes as conditions precedent and conditions subsequent. 0000830933 00000 n 0000627500 00000 n 0000617820 00000 n 0000689393 00000 n 0000257405 00000 n 0000502230 00000 n 0000501165 00000 n 0000317071 00000 n Similarly, the Declarations Page of a life insurance policy will include the name of the person insured and the face amount of the life insurance policy (e.g. 0000482215 00000 n 0000280060 00000 n 0000232127 00000 n 0000304778 00000 n 0000320923 00000 n 0000767215 00000 n 0000318187 00000 n 0000810258 00000 n Contract between the insurer and the insured. 0000269142 00000 n 0000684566 00000 n 0000224544 00000 n 0000519612 00000 n 0000715173 00000 n 0000433378 00000 n 0000421326 00000 n 0000387634 00000 n 0000247224 00000 n 0000775598 00000 n 0000625874 00000 n
0000412691 00000 n 0000759379 00000 n 0000561725 00000 n 0000727175 00000 n 0000603178 00000 n 0000722541 00000 n 0000700417 00000 n 0000769721 00000 n 0000600145 00000 n 0000815663 00000 n 0000605528 00000 n 0000404777 00000 n 0000566546 00000 n 0000734363 00000 n 0000151351 00000 n 0000267317 00000 n 0000604452 00000 n 0000780031 00000 n 0000235891 00000 n 0000364839 00000 n 0000410013 00000 n 0000818880 00000 n 0000346085 00000 n 0000293735 00000 n 0000532897 00000 n 0000813108 00000 n 0000451502 00000 n 0000175965 00000 n 0000475629 00000 n <<0A1D1D547023DE4F846967E8BBE7111F>]>> 22 3529 0000376868 00000 n 0000542564 00000 n Common riders to group medical plans involve name changes, change to eligible classes of employees, change in level of benefits, or the addition of a managed care arrangement such as a Health Maintenance Organization or, Jackets - The term has several distinct and confusing meanings. 0000296440 00000 n 0000431778 00000 n 0000462926 00000 n 0000497846 00000 n 0000304609 00000 n 0000601931 00000 n 0000573239 00000 n Rptr. 0000634797 00000 n 0000418077 00000 n 0000796110 00000 n 0000227704 00000 n 0000560798 00000 n 0000589950 00000 n 0000302533 00000 n In insurance contracts, the insurer promises to pay for covered losses that the insured suffers, and the insured promises to abide by the contract and pay the premium. 0000687535 00000 n 0000741439 00000 n 0000706916 00000 n 0000401088 00000 n 0000274092 00000 n 0000644836 00000 n 0000396320 00000 n 0000416969 00000 n 0000346444 00000 n 0000635848 00000 n 0000794152 00000 n 0000758307 00000 n 0000466298 00000 n [37][38] By analogy, policy endorsements that are not written on standard forms or whose language is custom-written to fit the insured's particular circumstances are known as manuscript endorsements. 0000390230 00000 n 0000533821 00000 n 0000337764 00000 n 0000648242 00000 n 0000326775 00000 n 0000545742 00000 n 0000668420 00000 n 0000310677 00000 n 0000210239 00000 n 0000633070 00000 n 0000700615 00000 n 0000244466 00000 n 0000335111 00000 n 0000406706 00000 n 0000766505 00000 n 0000635493 00000 n 0000375437 00000 n However, some agents cannot bind the insurance company, in which case, the insurance company must receive and accept the application, or it can reject it. 0000521952 00000 n 0000215352 00000 n 0000658752 00000 n 0000570350 00000 n 0000543283 00000 n 0000770988 00000 n 0000789083 00000 n 0000551157 00000 n 0000261763 00000 n Co. Intermetal Mexicana v. Insurance Co. of North America. 0000516786 00000 n 0000408963 00000 n 0000717175 00000 n 0000717349 00000 n 0000708207 00000 n 0000826926 00000 n
0000755670 00000 n 0000341619 00000 n 0000348032 00000 n 0000566912 00000 n 0000723060 00000 n 0000392910 00000 n 0000462565 00000 n 0000544032 00000 n 0000603538 00000 n 0000270415 00000 n 0000308306 00000 n 0000422752 00000 n 0000721853 00000 n 0000331765 00000 n 0000574908 00000 n 0000694547 00000 n 0000773440 00000 n 0000693652 00000 n 0000698975 00000 n 0000671295 00000 n 0000600856 00000 n 0000427197 00000 n 0000747092 00000 n 0000699879 00000 n 0000345707 00000 n 0000140107 00000 n 0000293196 00000 n 0000290521 00000 n 0000405312 00000 n 0000232825 00000 n 0000534536 00000 n 0000505888 00000 n 0000335823 00000 n 0000625157 00000 n 0000501696 00000 n 0000326403 00000 n
0000357395 00000 n 0000795399 00000 n 0000406876 00000 n 0000260194 00000 n 0000611447 00000 n 0000559331 00000 n 0000259299 00000 n 0000672371 00000 n 0000212359 00000 n 0000363081 00000 n 0000583106 00000 n 0000784485 00000 n 0000303588 00000 n 0000473482 00000 n 0000426310 00000 n 0000666169 00000 n 0000381059 00000 n 0000245170 00000 n Sometimes the application for insurance can be filed directly with the insurance company through its website. 0000672006 00000 n 0000656904 00000 n 0000479361 00000 n 0000698617 00000 n 0000288459 00000 n 0000443860 00000 n 0000278198 00000 n 0000562289 00000 n 0000596293 00000 n n~W}7tNok*HRPH ?8u~_7#"#L3Dk+!\O^/x7^+/_;vn|5s9w |)~t{_9kL~p#7o&60~)9}9\/!\1v~~~W?~WoyjQxyWo?~o9T4taeJAW]4nBs\w{:[RZ(tji. 0000690628 00000 n 0000250113 00000 n 0000434589 00000 n 0000796813 00000 n 0000705441 00000 n 0000713028 00000 n 0000143917 00000 n 0000370467 00000 n 0000488531 00000 n 0000724286 00000 n 0000393255 00000 n 0000226963 00000 n 0000752905 00000 n Most adults have legal capacity to agree to contracts, unless they are intoxicated, mentally ill, or mentally retarded. 0000364480 00000 n 0000621166 00000 n 0000273923 00000 n 0000484258 00000 n Some common conditions precedent include: A condition subsequent is a condition that must be fulfilled after an event requiring an act by the insurer. Insurance contracts can be ended by mutual agreement recission. 0000324983 00000 n
0000715350 00000 n 0000639472 00000 n 0000576582 00000 n 0000622080 00000 n 0000685298 00000 n 0000334920 00000 n Some have held that all of the conditions specified could be classified as condition precedents, since this is what the contract requires. 0000310497 00000 n 0000607154 00000 n 0000486763 00000 n 0000275132 00000 n 0000828526 00000 n 0000782795 00000 n 0000652112 00000 n 0000772492 00000 n
0000357923 00000 n 0000728626 00000 n 0000268404 00000 n 0000757771 00000 n 0000500101 00000 n 0000364656 00000 n 0000512406 00000 n If a contract lacks any of these essential elements, then it is a void contract that will not be enforced by any court. 0000760642 00000 n
0000521767 00000 n 0000371329 00000 n 0000404418 00000 n 0000758477 00000 n 0000252252 00000 n 0000764366 00000 n 0000755318 00000 n 0000234818 00000 n 0000458578 00000 n [3] Oral agreements are subject to the parol evidence rule, and may not be considered part of the policy if the contract appears to be whole. 0000565445 00000 n 0000812569 00000 n 0000521579 00000 n 0000239803 00000 n 0000289190 00000 n 0000467504 00000 n 0000486239 00000 n 0000529924 00000 n 0000524482 00000 n 0000228404 00000 n 0000794875 00000 n 0000653715 00000 n 0000502586 00000 n 0000409667 00000 n 0000354521 00000 n 0000668986 00000 n 0000361849 00000 n 0000670765 00000 n 0000801299 00000 n 0000818154 00000 n 0000486591 00000 n 0000720292 00000 n 0000557197 00000 n 0000281685 00000 n 22 0 obj <> endobj
0000554042 00000 n 0000830557 00000 n 0000442981 00000 n 0000387112 00000 n 0000428234 00000 n 0000368239 00000 n 0000733477 00000 n 0000687913 00000 n 0000757434 00000 n 0000306895 00000 n 0000431595 00000 n 0000539499 00000 n 0000763999 00000 n 0000423484 00000 n 0000288646 00000 n 0000661600 00000 n 0000572520 00000 n $25,000, $50,000, etc.). 0000585102 00000 n 0000390400 00000 n 0000521042 00000 n 0000834631 00000 n 0000548120 00000 n 0000317256 00000 n 0000228585 00000 n 0000246098 00000 n 0000442446 00000 n 0000743540 00000 n 0000317444 00000 n 0000708936 00000 n 0 0000404237 00000 n 0000495521 00000 n 0000392371 00000 n 0000302353 00000 n 0000585473 00000 n 0000544969 00000 n 0000752325 00000 n 0000593890 00000 n 0000359794 00000 n 0000773990 00000 n 0000247013 00000 n 0000259836 00000 n 0000295142 00000 n 0000527020 00000 n 0000606069 00000 n 0000353627 00000 n 0000761012 00000 n 0000785374 00000 n 0000267859 00000 n 0000386236 00000 n 0000535523 00000 n 0000074317 00000 n 0000365571 00000 n 0000526478 00000 n 0000772310 00000 n 0000460052 00000 n 0000472037 00000 n 0000209502 00000 n All contracts must have a legal purpose to be enforceable by the courts, and, of course, insurance contracts do. 0000776665 00000 n 0000357744 00000 n 0000446172 00000 n 0000815121 00000 n 0000423970 00000 n In general, it refers to some set of standard, This page was last edited on 15 July 2022, at 08:42. 0000797697 00000 n 0000399856 00000 n 0000440079 00000 n 0000377044 00000 n 0000550448 00000 n 0000637643 00000 n 0000488897 00000 n 0000795929 00000 n 0000344987 00000 n 0000679050 00000 n
0000359284 00000 n 0000313014 00000 n 0000799474 00000 n 0000360301 00000 n xI%IUR\IW-~^ 0000750236 00000 n 0000231414 00000 n 0000350978 00000 n 0000652461 00000 n For example, the Declarations Page of an automobile policy will include the description of the vehicle covered (e.g. 0000244826 00000 n 0000314037 00000 n 0000249941 00000 n 0000700065 00000 n 0000415028 00000 n 0000790342 00000 n 0000284509 00000 n 0000615092 00000 n 0000262799 00000 n 0000669534 00000 n 0000622264 00000 n 0000326059 00000 n An exclusion is a loss not covered by the contract. 0000465944 00000 n 0000468599 00000 n 0000288075 00000 n 0000274783 00000 n
0000569985 00000 n 0000381585 00000 n 0000537351 00000 n 0000605703 00000 n 0000482045 00000 n Consideration is the value the parties to a contract give to each other it is why the contract is agreed to. 0000602463 00000 n 0000218555 00000 n Declarations - Identifies who is an insured, the insured's address, the insuring company, what risks or property are covered, the policy limits (amount of insurance), any applicable deductibles, the policy number, the policy period, and the premium amount. 0000793408 00000 n 0000295360 00000 n 0000308127 00000 n 0000417158 00000 n 0000248504 00000 n 0000774168 00000 n 0000808977 00000 n 0000689213 00000 n 0000568537 00000 n 0000339148 00000 n 0000819980 00000 n 0000495885 00000 n 0000470410 00000 n 0000454178 00000 n 0000351167 00000 n 0000210054 00000 n An insurance contract is a document representing the agreement between an insurance company and the insured. 0000546871 00000 n 0000429977 00000 n 0000755135 00000 n 0000473302 00000 n 0000261592 00000 n An insurance company has legal capacity if it is licensed to sell insurance in that particular state, and is acting within the scope of its charter. App. 0000412336 00000 n 0000458048 00000 n 0000362366 00000 n 0000565998 00000 n 0000394508 00000 n 0000468954 00000 n 0000528456 00000 n 0000730299 00000 n 0000583829 00000 n 0000431242 00000 n Casualty Risk Publishing LLC. 0000331937 00000 n 0000761761 00000 n 0000669890 00000 n 0000654771 00000 n 0000441142 00000 n 0000407555 00000 n Allrisk coverage, under which all losses are covered except those losses specifically excluded. 0000558448 00000 n 0000433888 00000 n 0000131493 00000 n 0000710637 00000 n 0000443162 00000 n 0000534354 00000 n 0000751982 00000 n 0000482409 00000 n
0000655998 00000 n 0000654249 00000 n 0000649522 00000 n 0000834258 00000 n 0000450065 00000 n 0000269329 00000 n 0000382471 00000 n 0000620453 00000 n 0000590128 00000 n 0000368919 00000 n 0000428066 00000 n 0000703824 00000 n 0000467334 00000 n 0000775069 00000 n Thus, a conditional receipt is like a binder, but differs from it because coverage is conditional upon the health of the applicant, occupation, and other factors. 0000538967 00000 n 0000751454 00000 n 0000595329 00000 n 0000806815 00000 n 0000772877 00000 n
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[3], The insurance contract or agreement is a contract whereby the insurer promises to pay benefits to the insured or on their behalf to a third party if certain defined events occur. 0000394119 00000 n
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It makes much more sense to simply place the burden of proof on the party who can most easily present the proof and not worry about the semantic distinction between condition precedent and condition subsequent, since it is obvious that all required conditions, regardless of their classification, must be satisfied for the parties to be obligated to complete their performance requirements. 0000694735 00000 n
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It is important that you read all Endorsements or Riders so you understand how your policy has changed and if the policy is still adequate to meet your needs. 0000340532 00000 n
For instance, insurance companies can often void a contract because the applicant provided false information on the application. 0000353270 00000 n
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Additionally, contracts must be approved by the state insurance department before they can be used, to ensure they comply with regulations. 0000756549 00000 n
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If property and liability contracts could be freely assigned, then someone who presents a low risk for the covered loss could buy a policy and sell it or give it to someone with a higher risk, rendering the premium inadequate to cover the greater loss exposure. 0000756197 00000 n
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This is a summary of the major promises of the insurance company and states what is covered. However, insurance contracts are also conditional contracts if the insured fails to pay the premium, or fails to abide by the contract, then the insurer is not obligated to pay for any of the insured's losses. 0000764194 00000 n
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In most personal lines of insurance, the agent can accept the offer for the company, binding the company to the contract. 0000263320 00000 n
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If the insured sells the property, the insurance does not transfer with it. 0000282936 00000 n 0000344808 00000 n 0000804655 00000 n 0000535886 00000 n 0000419696 00000 n 0000274960 00000 n 0000814401 00000 n 0000212533 00000 n 0000307056 00000 n 0000593529 00000 n 0000745319 00000 n 0000394324 00000 n 0000783571 00000 n 0000389881 00000 n 0000537713 00000 n 0000528815 00000 n 0000231236 00000 n 0000296072 00000 n 0000578213 00000 n 0000366284 00000 n 0000471311 00000 n 0000623883 00000 n 0000569247 00000 n 0000361510 00000 n 0000245737 00000 n 0000757604 00000 n 0000542025 00000 n 0000416603 00000 n 0000773625 00000 n 0000667501 00000 n 0000322727 00000 n 0000491543 00000 n 0000427015 00000 n 0000508371 00000 n 0000408442 00000 n 0000239099 00000 n 0000403694 00000 n 0000371673 00000 n 0000570520 00000 n 0000444206 00000 n 0000269871 00000 n 0000457157 00000 n 0000560258 00000 n 0000650656 00000 n 0000800210 00000 n 0000453483 00000 n 0000607334 00000 n 0000426653 00000 n 0000558089 00000 n 0000736779 00000 n 0000638370 00000 n 0000470240 00000 n 0000743180 00000 n Only those individual risks expressly described or "scheduled" in the policy were covered; hence, those policies are now described as "individual" or "schedule" policies. 0000731385 00000 n 0000289376 00000 n 0000476710 00000 n 0000249034 00000 n 0000655117 00000 n 0000478831 00000 n 0000543851 00000 n 0000647161 00000 n 0000655300 00000 n 0000226370 00000 n 0000434416 00000 n 0000832421 00000 n 0000294783 00000 n 0000541477 00000 n 0000773809 00000 n 0000405492 00000 n 0000804481 00000 n 0000802942 00000 n 0000687727 00000 n 0000333669 00000 n 0000500453 00000 n 0000391101 00000 n
0000498526 00000 n 0000816359 00000 n 0000525027 00000 n 0000800760 00000 n 0000390758 00000 n 0000404598 00000 n If the policy conditions are not met, the insurer can deny the claim. 0000224177 00000 n
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Life insurance policies are typically all-risk policies. 0000327295 00000 n
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