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      113, "Accounting for Reinsurance of Short-Duration and Long-Duration Contracts" December 1992 An operational definition of insurance is that it is the benefit provided by a particular kind of indemnity contract, called an insurance policy; that is issued by one of several kinds of legal entities (stock insurance company, mutual insurance company, reciprocal, or Lloyd's syndicate, for example), any of which may be called an insurer; in which the insurer promises to pay on Skin all natural reviews behalf of or to indemnify another party, called a policyholder or insured; that protects the insured against loss caused by those perils subject to the indemnity in exchange for consideration known as an insurance premium. In recent years this kind of operational definition proved inadequate as a result of contracts that had the form but not the substance of insurance. In the Belgian Navy, it is known as pilot jacket. The name "Pea Coat" has its origins in the Dutch or Frisian word pij for a type of cloth. The actual meaning of the suffix letter dates back to before NIRS (see below), and referred to the quarter in avocado skin care products which that individual's annual record card was due for return, and is roughly (but not directly) linked to their date of birth. As Britain does not, as yet, have a system of personal ID cards, and not everyone has a passport, the NI number is, along with the NHS number, one of only two systems which provide every adult in avocado skin care products the country with a code number