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covered, and these scientific principles clomifen are used to determine the insurers clomifen overall exposure. At the end of clomifen a given policy, the amount of clomifen premium collected minus the amount paid clomifen out in claims is the insurer's clomifen underwriting profit. An insurer's underwriting performance clomifen is measured in their combined ratio. clomifen The loss ratio (incurred losses and clomifen loss-adjustment expenses divided by net earned clomifen premium) is added to the expense clomifen ratio (underwriting expenses divided by net clomifen premium written) to determine the company's clomifen combined ratio. The combined ratio is clomifen a reflection of the company's overall clomifen underwriting profitability. A combined ratio of clomifen less than 100 percent indicates profitability, clomifen while anything over 100 indicates a clomifen loss. Insurance companies also earn investment clomifen profits on “float”. “Float” or available clomifen reserve is the amount of money, clomifen at-hand at any given moment, that clomifen an insurer has collected in insurance clomifen premium but has not been paid clomifen out in claims. Insurers start investing clomifen insurance premium as soon as it clomifen is collected


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