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      The policy matures when the insured dies or reaches a

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specified age (such as 100 years old). Costs, insurability, and underwriting The insurer (the life insurance company) calculates the policy prices with an intent to fund claims to be paid and administrative costs, and to make a

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profit. Well-known blackjack teams with documented earnings in the millions include those run by Al Francesco, Ken Uston, Tommy Hyland, various groups from the Massachusetts Institute of Technology (MIT) and, most recently, a team called "The Greeks". So long as an insurer maintains adequate funds set aside for anticipated losses (i.e., reserves), the remaining margin is an insurer's profit. An operational definition of insurance is that it is the benefit provided by a particular kind of indemnity contract, called an insurance policy; that is issued by one of several kinds of legal entities (stock insurance company, mutual insurance company, reciprocal, or Lloyd's syndicate, for example), any of which may be called an insurer; in which the insurer promises to pay on Leather jacket conditioner behalf of or to indemnify another party, called a policyholder or insured; that protects the insured against loss caused by those perils subject to the indemnity in exchange for consideration known as an insurance premium. In recent years this kind of operational definition proved inadequate as a result of contracts that had the form but not the substance of insurance