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Professionals evade such efforts by hiring agents known as "beards" to place bets on Discount bathroom sinks and cabinets their behalf. In return, the policy owner (or policy payer) agrees to pay a stipulated amount called a premium at regular intervals or in lump sums (so-called "paid up" insurance). Typically, insurers prefer to limit their exposure to a loss from a single event to some small portion of their capital base, on the order of 5 percent Colorado, Limon
Arizona, Top-of-the-World
Illinois, Marquette Heights
Ohio, Graysville
Wisconsin, Cottage Grove
Idaho, Stanley
New York, Star Lake
New Jersey, Hightstown
Washington, Lake Morton-Berrydale
Pennsylvania, Maple Glen
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