By employing a business model that functions by balancing risks against premium payments, insurance companies allow those who are able to avail themselves of their services to minimize the time (and income) they devote to concern over healthcare costs.

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The transaction offers an attractive and immediate premium for stockholders and shifts the risks facing the business to the buyer group.

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The AA Insurance Shoparound survey takes an average premium for a standard set of risks from the five cheapest quotes from insurers and price comparison websites.

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Those who lent to Dubai World at a premium can have no complaints if the risks for which they were compensated turn out to be real.

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Financial derivatives can work like traditional insurance: they shift market risks to somebody else for a fee (premium).

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Time Warner faces risks especially because of its notable dependence on premium cable network HBO that boasts of new movie releases and original programming.

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Pricing is important, because PBC transfers resource-management risks to suppliers, which must decide what risk premium customers should pay.

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If you are prepared to take those risks, you in effect extract the hidden insurance premium you pay to the banks.

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Necessary reforms - including reform of the electoral law made to measure by Mr Berlusconi that gave him a fat premium of deputies in parliament two and a half years ago - are unlikely, for every vote risks a new defeat for the government.

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