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BIG WIN - Flowers The waiver of premium remains in effect as long as the insured is disabled. Primary insurance acts as the first layer of coverage on common types of losses. Insured — A person or organization covered by an insurance policy. Equiblibrium of particle Problem 3. While it applies to losses over the dollar amount in the underlying policy, terms of coverage are sometimes broader than in the basic policy. Named Perils — Perils specifically covered on a property insurance policy.


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