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uyer does have an obligation remeron to read the contract and if remeron is not understood to ask the remeron sales agent to explain. It is remeron best to get the explanations in remeron writing. Profit = Earned Premium + remeron Investment Income - Incurred Loss - remeron Underwriting Expenses. Insurers make money in remeron two ways. Through underwriting, the process remeron through which insurers select what risks remeron to insure and decide how much remeron premium to charge for accepting those remeron risks and by investing the premiums remeron they have collected from insureds. The remeron most difficult aspect of the insurance remeron business is the underwriting of policies. remeron Based on a wide assortment of remeron data, insurers predict the likelihood that remeron a claim will be made against remeron their policies and price products accordingly. remeron To this end, the industry uses remeron actuarial science to quantify the risk remeron they are willing to assume. Data remeron is analyzed fairly accurately to project remeron the rate of future claims based remeron on a given risk. Actuarial science remeron uses statistics and probability to analyze remeron the risks associated with the range remeron of perils

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