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Neither FAS 113 nor SAP 62 defines the terms reasonable or significant. This is not a hard and fast rule. The cash function inherent in all life insurance says that if a person is to reach age 95 to 100 (the age varies depending on state and company), then the policy matures and endows the face value of the policy.
Actuarially, it is reasoned that out of a group of 1000 people, if even 10 of them live to age 95, then the mortality function alone will not be able to cover the cash function. A borrower's cumulative payday loans could not exceed 25 percent of the individual's gross monthly income.
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According to the Canadian Criminal Code, any rate of interest charged above 60% per annum is considered criminal. In addition, after a proven loss, insurers specialize in providing rehabilitation to minimize the total loss.
Insurance, the avoiding, mitigating and transferring of risk, creates greater predictability for individuals and organizations.
History of insurance
In some sense we can say that insurance appears simultaneously with the appearance of human society
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