Other manufacturers see the body as territory for your insurance company, your doctor, or even your employer to claim, so they were there, too, offering devices and apps designed to help track our aging population on behalf of institutions.

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Other big buys last week for our gurus included health insurer Aetna and insurance company HCC Insurance Holdings.

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On the other hand, an insurance company that is on the hook for an accident in which a 20-something is killed may have to shell out the millions that he or she would have earned during a lifetime, or the wealth they would have created, to support a family, send kids to college, and so on.

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Tim Shufflebotham, from Complete ICT which employs three other people, said he would have to wait for a report from his insurance company before deciding on the company's future.

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Surrender costs exist, among other reasons, to insure that the insurance company has the money long enough to repay themselves for the outlandish commission they paid the agent to acquire the contract.

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