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Subject to the "fortuity principle", the event must be uncertain. The uncertainty can be either as to when the event will happen (e.g. in a life insurance policy, the time of the insured's death is uncertain) or as to if it will happen at all (e.g. in a fire insurance policy, whether or not a fire will occur at all). [4]
Berkshire Hathaway Travel Protection (BHTP) is a North American-based travel insurance company, headquartered in Stevens Point, Wisconsin.. Business lines include traditional travel insurance offerings for leisure travelers, a travel-agent errors-and-omissions insurance group, travel insurance underwriting for Managing General Agents (MGAs) and claims administration services.
Mariátegui JLT was created in 1987, and the Reinsurance office—today JLT Peru—was established in 1989. At present, Mariátegui JLT has more than 90 professionals dedicated to insurance brokerage specializing in corporate insurance. In 1997, Mariátegui & Asociados associated with Heath Lambert, working with them for 7 years.
In the 1960s, voluntary organisations such as the Association of British Travel Agents (ABTA) provided a degree of financial protection for air travellers. In 1970, the Federation of Tour Operators (FTO) (then the Tour Operators Study Group) introduced a bonding scheme whereby their members had to obtain bonds to the value of 5% of their annual turnover.
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An individual with very low insurability may be said to be uninsurable, and an insurance company will refuse to issue a policy to such an applicant. [3] For example, an individual with a terminal illness and a life expectancy of 6 months would be uninsurable for term life insurance. This is because the probability is so high for the individual ...
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