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Massive variety of comparable publicity models: Since insurance coverage operates via pooling assets, the vast majority of insurance policies are provided for particular person members of large classes, permitting insurers to benefit from the regulation of large numbers in which predicted losses are just like the actual losses. Exceptions embrace Lloyd’s of London , which is famous for ensuring the life or well being of actors, sports activities figures, and different famous individuals. Nevertheless, all exposures can have explicit variations, which may lead to different premium rates.
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