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Because CSMs essentially force minimal penetration, they remove almost all possible advantage of traditional counting techniques. The existence of certain experience-based contract terms, such as experience accounts, profit commissions, and additional premiums, generally reduce the amount of risk transfer and make it less likely that risk transfer is reasonably self-evident.
An insurance policy should not contain provisions that allow one side or the other to unilaterally void the contract in exchange for benefit. According to the U.S
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