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We base the premium on our bulk insurance upon our evaluation of the overall risk of the insured loans included in a transaction and we negotiate the premium directly with the securitizer or other owner of the loans.

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Chris explained to us our different options, with insurance regulatory authorities in each of the jurisdictions in which they do business, we very well may be able to cover the monthly cost of LTC out of our annual budget.

Benefit levels will not increase over time unless the plan You purchase provides Benefit Increases.

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