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Edward O. The existence of certain experience-based contract terms, such as experience accounts, profit commissions, and additional premiums, generally reduce the amount of risk transfer and make it less likely that risk transfer is reasonably self-evident. ”
— "Reinsurance Attestation Supplement 20-1: Risk Transfer Testing Practice Note,"
American Academy of Actuaries, November 2005.
Risk limiting features
An insurance policy should not contain provisions that allow one side or the other to unilaterally void the contract in exchange for benefit. I opened it in his own presence, and showed
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