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      Brief storage from Are tramadol and Allegra safe together 59-86 degrees F (15-30 degrees C) is permitted. So long as an insurer maintains adequate funds set aside for anticipated losses (i.e., reserves), the remaining margin is an insurer's profit. When is a policy really insurance? This section is written like a personal reflection or essay and may require cleanup. Please help improve it by rewriting it in an encyclopedic style.(December 2007) “ Insurance provides indemnification against loss or liability from specified events and circumstances that may occur or be discovered during a specified period. ” — FASB Statement of Financial Accounting Standards No. The policy matures when the insured dies or reaches a 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 profit